davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-31
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: Phoenix Financial Services LLC (FL)

Please be advised I have requested validation { not verification } of a medical debt reported to you by PHOENIX FINANCIAL SERVICES LLC on XX/XX/XXXX. I received a response that clearly violates my rights according to HIPPA on XX/XX/XXXX. 

PHOENIX FINANCIAL SERVICES LLC, or the original creditor XXXX XXXX XXXX XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to the debt collection agency, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. Additionally, this debt was paid by FL XXXX. I have attached my benefits approval letter and XXXX ID card to prove my case was opened in FL. 

I reached out to XXXX, XXXX and XXXX to let them know this debt is in violation of HIPPA but XXXX Or XXXX didnt delete it form my report, while Transunion did delete it..
Consumer complaint received 2017-12-31
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: AES/PHEAA (IA)

My credit report shows that my payments were delinquent in the past and some of my twin sister 's student loans are reporting on my credit report. I have contacted my student loan servicing company several times to report this and I have requested signed copies of the promissory notes to validate the loans. This information has not been updated and/or provided. It has an adverse effect on my ability to repay my loans and to be approved for a home.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2017-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (VA)

I opened an American Express Business Platinum Card on XX/XX/XXXX. At the time, there was a 50 % bonus on points redeemed for airline travel with my selected airline ( XXXX ). American Express does not have an online or phone system set up to redeem points at that rate, and I have had to spend hours on the phone more than a dozen times over the past year to get that redemption and bonus. In XXXX of XXXX, American Express announced they would be reducing the 50 % bonus to 35 % ( though I never was informed directly, I read online ). American Express then said ( again, not directly, had to read online ) they would grandfather in the 50 % for card members who signed up before XX/XX/XXXX for a  year. I called in during XXXX to inquire whether that 50 % bonus was from the time I opened the card ( XX/XX/XXXX ) or the time of the change from 35 % to 50 %, and I was told it was a year from the announcement ( XXXX of XXXX ). When I called XX/XX/XXXX to redeem the points and request the 50 % bonus, I was told it was grandfathered in from the open date of the card ( XX/XX/XXXX ) for a year ( so until XX/XX/XXXX ) and they would not honor the 50 % redemption.
Consumer complaint received 2018-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (IN)

I rented a car from XXXX XXXX and paid for the complete insurance including XXXX dollar deductible. The car reserved was not available upon arrival and XXXX said they would give a free day because the vehicle reserved was not available. The car side view mirrors were damaged and XXXX XXXX charged me for the repairs. I disputed with XXXX XXXX and sent all the paperwork showing the complete coverage including XXXX deductible. Chase responded and said they saw nothing wrong with the charges from XXXX XXXX. Specific dates of the charges are listed in the attachment.
Consumer complaint received 2018-01-02
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Premier Student Loan Center (NY)

Since XX/XX/2017, this company has called my cell phone several times a day seeking to refinance my student loan. I use this phone for business. it interrupts me during meetings and while driving. 

On every call, I ask to be placed on the do not call list. The call frequency had INCREASED. 

Premier Student Loan of XXXX CA is a predatory scam. They misrepresent themselves. They have been reported to the BBB and the CA Atty General.
Consumer complaint received 2017-11-12
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Professional Debt Mediation, Inc. (TX)

Received a debt collection call on XXXX XXXX XXXX. Notified Professional Debt Mediation over the phone that I disputed the debt and that I wanted complete proof. XXXX XXXX then continually asked for my email address even though I specifically stated numerous times I want the debt sent by mail, not electronically. He became very apparently annoyed by this. He then asked me if I was in the military, which I told him was not relevant to this debt. He responded to this by saying it is relevant, and asked if I was aware how having a debt can relate to the XXXX XXXX of XXXX XXXX. The tone and vocabulary he used sounded as though he was threatening military punishment for this debt. 

After this call, all they sent me was a letter showing the amount of debt XXXX {$160.00} XXXX and no proof. They did not send me proof until XXXX XXXX. This packet included that my former leasing office was keeping my security deposit and further charging me for damages. In that letter, the debt collector stated that they would not call me any longer. They called me again on the XXXX of XXXX, XXXX and XXXX of XXXX. 

I still dispute this debt and do not believe I owe the amount specified.
Consumer complaint received 2018-01-03
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. (GA)

I am disputing the following account with each Credit bureau after finding accounts that were reporting on my credit that I never gave any consent to me opened and address that I never lived at need to be removed I was informed to file a FTC with them and provide this documentation to all credit reporting companies. 


XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX La XXXX the following addresses are not my address please remove them I have provided a copy of my Identification card showing my correct address along with the FTC 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 following accounts are being disputed as Fraud accounts I never consent to any of the following companies to open accounts in my name
Consumer complaint received 2018-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BBVA FINANCIAL CORPORATION (FL)

I applied for the BBVA Compass XXXX XXXX Credit Card. In the offer advertising mail sent to me it said 13 MONTHS SAME AS CASH. I entered the offer code online and I was approved. I received the card card. I did a purchase of {$550.00} on XX/XX/17. I just received the three page credit card statement today. NO WHERE on these three pages is notated the 13 month same as cash offer. On this day, over the past 5 hours I have called the company 's toll free phone number. Twice it asked me to leave a call back number, which I did but there was never a call back even 5 hours later. Many times I have called and a machine simply says, " Please try back latter. '' I have no way of getting this company to correct this if they will not contact me.
Consumer complaint received 2018-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (CA)

XXXX XXXX denied my application for their " XXXX XXXX XXXX '' card ( attached ), stating that my credit application had " unverifiable application information '' ( BUT DID NOT SAY IN THE DENIAL LETTER WHAT THAT " UNVERIFIABLE APPLICATION INFORMATION '' WAS! ). A " customer service manager '' stated that my " cell phone number '' was " unable to be verified '' by.. .XXXX ( who XXXX XXXX uses to " verify credit application '' information! ). I have e-mailed XXXX about this very issue, today, XX/XX/2018. Apparently, XXXX XXXX does NOT have the brains, or staffing intelligence to find out WHY their third party vendor can not verify a cell phone number that a simple phone call TO ME, ( the alleged " unverified information '' ) would complete!
Consumer complaint received 2018-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica (MI)

Date X/X/18 Bank : Comerica Location : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX Hello, The complaint is regarding a small deposit to a checking account made with Comerica Bank on X/X/18. The issue was n't the deposit itself, but cash back received. Made a small deposit with larger bills to a checking account and request a small fraction of it back in smaller bills ( {$50.00} total - 2 {$20.00} 's, 1 {$10.00} ). The teller handling this transaction hands me 3 bills, with the {$10.00} bill being 1/3rd missing ( ripped with right-hand serial number missing ). I 'm just tired of this sort of behavior and although it 's a petty complaint, would like to file it. She knowingly counted the bills and saw the integrity of the torn bill. My mistake was checking the amount but not the actual bills for this type of thing ( ripped ). Anyhow, just requesting {$10.00} deposited back into my account to rectify the situation and will happily return the torn one.
Consumer complaint received 2018-01-02
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: Resurgent Capital Services L.P. (FL)

I am writing to dispute LVNV Funding LLC account number # XXXX on all 3 of my credit reports.. The balance listed on the account is incorrect. Please delete the account.
Consumer complaint received 2018-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

Mobile deposit for {$700.00} USD made on XXXX XXXX, XXXX and confirmed immediate access to full funds. On XXXX XXXX, XXXX, a hold was retroactively placed on my deposit and no one at Citibank can provide a reason for clawback of funds. 

Mobile deposits have never been held in the past.
Consumer complaint received 2017-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MA)

The Experian Web site has repeatedly declined my requests to add a Security Freeze to my Experian credit file. First, for consumers like me with an Experian online account, information on adding a Security Freeze is difficult to find when logged in. Despite highly visible information on how to lock ones credit file ( at $ XXXX/mo. ), theres no upfront information on how to freeze ones file ( one-time {$5.00} fee ). Instead, the customer must search deep into Support information to learn about Security Freezes. This may increase the companys revenues by channeling customers to the higher cost option, but it provides a disservice to many customers who need only a freeze. After finding the online application to add a Security Freeze, I completed it, but it was declined. ( The application and decline are hereby attached for reference. ) Instead, I was asked to mail in a hard copy application. Because a mail-in application entails significantly more time, effort, and cost to me, and because I would thereby expose my sensitive personal information to additional risk of theft, I demand the company fix their online application process, so that a Security Freeze may be added securely and expediently by electronic means. I wish also to refer to my CFPB complaint # XXXX, in which I document how Experian Web site errors recently prevented me from monitoring my Experian credit report, as an another indication of how poorly Experian is serving consumers.
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/XXXX, I contacted Wells Fargo after receiving a message on my online banking platform indicating the impending closure of my credit card. Seeking clarification on this sudden development, I reached out to Wells Fargo to obtain further details. To my surprise, I was informed that the closure was due to a business decision related to fraudulent activities.

Oddly enough, just two weeks prior to this incident, Wells Fargo had informed me in person at their teller line that my checking accounts were also being closed. Upon contacting Wells Fargo about the closure, I was once again informed that it was a business decision made by the bank. The reason behind this decision, it seemed, stemmed from a fraud case my mother had experienced in 2021, which directly impacted her Wells Fargo accounts. She had taken the necessary steps, including filing a police report and gathering evidence, to address the fraud that was being perpetrated on her accounts. Unfortunately, the perpetrator had managed to withdraw funds from her bank account. 

Around two months ago, I had added my mother as a joint account holder on one of my checking accounts. Due to the extensive fraudulent activity associated with my mother 's accounts, Wells Fargo decided to close her checking accounts as well. In an unexpected turn of events, their decision to end their business relationship with my mother also affected me, despite the fact that none of my accounts had ever been involved in any fraudulent activities.

The situation has left me perplexed and concerned, as it seems my account closure was a consequence of Wells Fargo 's broad response to my mother 's unfortunate encounter with fraud. I am currently seeking further clarification from Wells Fargo in order to fully understand the reasons behind their actions and to address any potential misunderstandings or miscommunications that may have occurred.
Consumer complaint received 2021-02-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: State Collection Service, Inc. (MD)

A company illegally shared my medical information with a third party ( debt collector ) without my consent. They illegally have done it already and I had it removed from my credit report. The first time they did it, they used XXXX XXXX XXXX, Address : XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX, and destroyed my credit report/ and score. 

Now they used STATE COLLECTION SERVICE, account number on one of the credit bureaus XXXX. Both time they are asking for a different amount of money. Highly illegal, strike three. 
They are trying to intimidate me with phone calls and using " Collection Department / Agency / Attorney " on my credit report. Their Contact information is listed below. 

I am in the process of rebuilding my credit and they illegally flagged my account and dropped my credit score 32 points. That's very unfair and highly illegal. I have written letters to the debt collection agency, The Company that hired them ( XXXX XXXX ) to perform an illegal act, and the three major credit bureaus, asking them for collection validation, HIPPA Violation Warning, and disputing their claims ; to which I have received no response. 

Can you help a struggling single father in a time of extreme crisis? 

Thanks for your time. 

STATE COLLECTION SERVICE XXXX XXXX XXXX XXXX XXXX, WIXXXX XXXX XXXX ) XXXX
Consumer complaint received 2023-05-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

New account with Bank of America, never received bank card and they are refusing to investigate and resolve fraudulent transactions on an apparently stolen card. This includes fraudulent withdrawals from branch offices. They've put hold on SOCIAL SECURITY funds, left me homeless. No help in my branch office or over phone although they said they escalated this. Haven't even had account for 2 months and they are rude thieves!
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This company has violated my right to privacy and has unlawfully reported inaccurate information to the credit reporting agencies. When a creditor forgives or writes off a debt of {$600.00} or more, they are required to report this amount to the IRS using Form 1099-C ( Cancellation of Debt ), and they must also provide a copy of this form to the debtor. The debtor is then required to include this amount as income when filing their tax return. 

26 U.S.C. 61 ( a ) : This section defines " gross income '' as " all income from whatever source derived, '' which includes income from the discharge of indebtedness ( i.e., when a debt is forgiven or canceled. Income can not be reported on a credit report.

o Section 602 ( a ) of the FCRA ( 15 U.S.C. 1681 ) prohibits furnishing inaccurate information to consumer reporting agencies o Section 604 ( a ) of the FCRA ( 15 U.S.C. 1681b ) states that a consumer reporting agency can not furnish information about an account without the consumers written instructions o According to 15 U.S.C. 1692c, a debt collector may not communicate with any person other than the consumer ( or their attorney ) regarding a debt without prior consent from the consumer or express permission from a court o Under 15 U.S.C. 1692g ( b ), if a consumer disputes a debt in writing within 30 days of the initial communication, the debt collector must cease all collection activities until they obtain verification of the debt and provide it to the consumer.

This company refuses to validate any information requested. I recently reported this company they responded informing me that they sold my information to another company. Therefore I am demanding that Immediate Deletion of this account from all consumer reporting agencies and Cessation of Any Negative Reporting related to this account, including the removal of any adverse information that has been reported.
Consumer complaint received 2023-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I have a Checking account with Chase. I've been receiving checks from XXXX XXXX of the XXXX due to an injury at work. On Friday XX/XX/XXXX, I deposited XXXX different checks with the same amount of {$1300.00} and cash in the amount of {$240.00}. On Monday XX/XX/XXXX. I noticed a hold on my entire account. I could not access any of my funds. I immediately gave Chase a call and they informed me that they couldn't verify the checks I had deposited. They insisted they need a registered phone number of the company to call and verify the checks even though the checks were cleared by Bank XXXX XXXX and the issuer. Chase put a restriction on my account, and I was not allowed to use any of my funds, not even the cash I had deposited nor my existing balance prior to the deposit made on XX/XX/XXXX. I explained I have bills to pay and asked if I could use my existing balance to pay my bills online. They denied my access and was told to wait for the checks to bounce back, so I could regain access. I have been trying to resolve this issue with them for the past XXXX weeks. I've called the XXXXnsurance Company to ask them about this and I was told this was the first time they heard about something like this. The Insurance company has given me several phone numbers for Chase to run in their system, Chase denied all of them, Chase refused to do any research on their own and continued telling me their system would not validate any number. Today XX/XX/XXXX, I noticed my checking account was zeroed out.