davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-25
Product: Credit 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: U.S. BANCORP (MA)

We used our Fidelity Credit Card on XX/XX/23 to make a {$100.00} purchase of USPS stamps after following a link for a sale on stamps from XXXX. 
We realized the next morning that the website XXXX XXXX XXXX XXXX XXXX is a fraud website, likely run out of XXXX, based on numerous articles and USPS itself : XXXX XXXX XXXX XXXX XXXX XXXX A quick internet search names this website, and similar ones, specifically when calling out fraudulent websites selling stolen or counterfeit stamps. The website it self is full of spelling errors and indications of fraudulent activity like " don't contact XXXXl, contact us about refunds. '' Note that we DID NOT pay through XXXX, yet still received a receipt as if we had paid through XXXX -- this was one of the first indications that it was fraudulent to us since it was so obviously fake. 

When we reached out to Fidelity about this, they refunded the money initially but then followed up weeks later with a letter saying there was insufficient evidence showing that it was counterfeit and withdrew the money again. We followed up with more information, including pointing them to USPS 's own websites and they followed up again saying that there was still " insufficient information supplied to support your claim of receiving counterfeit merchandise. '' Frankly, Fidelity is shirking their obligations as a company to combat this kind of fraud. They have the opportunity to do a chargeback and to reduce the amount of profit this fraud company is pulling in from unsuspecting people. They should also flag and block purchases to these ( and similar ) companies from the outset.

In our case, Fidelity should chargeback the company immediately and refund our money.
Consumer complaint received 2024-02-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated (LA)

XX/XX/XXXX I reviewed my credit report and this company Consumer adjustment reporting that I opened an account with them. I didnt sign or authorize anything on XX/XX/XXXX. I would like to receive a copy of my signature on a document specifically from Consumer Adjustment Co. dated XX/XX/XXXX. I would like to see an original document with their letter head or logo that shows my signature and dates on XX/XX/XXXX. If they cant submit a document thats dated XX/XX/XXXXXXXX  and my signature on the document dates XX/XX/XXXX. If they cant provide this information I request it be removed from my credit report.
Consumer complaint received 2024-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

Zip code XXXX I was hoping you could help me obtain records of my original student loan agreement note, the person in possession of the note, and any modifications made to the note. I have reason to believe that Nelnet has failed to abide by the contract. Nelnet and its subsidiaries own all the previous loan contractor Ive been transferred between, yet none will provide the original document note. I am requesting access to all documents, records and communications having used my signature. The servicers and lenders may be disadvantaging the borrowers and all records from XXXX to XXXX are requested for review and accuracy. The information requested belongs to me and will be for my personal use only and secured in my safe. 

Thank you so much for your
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (TX)

I paid a {$60.00} deposit to XXXX XXXX XXXX in XXXX on XX/XX/2023. The hotel did a refund to my cash app card on XX/XX/2023. I have not been refunded my money from the hotel. The hotel did their part, but cash app is refusing to refund it.
Consumer complaint received 2024-03-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I bought 2 used 1999 XXXX XXXX parts from a person on XXXX. I paid via Bank of America XXXX app a XXXX  transferin the transfer I indicated it was for XXXX XXXX XXXX parts the transaction was all a fraud. I didnt get the items, they didnt refund me the money and their XXXX account disappeared. I called Bank of America to report this scam. They took all my info and a week later I got a letter Saying they werent going to refund me for the fraudulent scam because THEY transferred the money as requested.. it was only XXXX but it was FRAUD, a scam. I am entitled to a refund of my money. Please help me get my money back.
Consumer complaint received 2023-08-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My checking account with Bank of America ending in XXXX was closed with description " SUSPECTED FRAUD ACTIVITY '' despite the fact that Bank of America states that the account transactions never reported and fraudulent activity, see attached report from Bank of America. The negative balance was paid and there is now a zero balance on the account. 

Due to the " SUSPECTED FRAUD ACTIVITY '' noted on the closed paid account, I am unable to open a bank account which is causing hardship and financial issues.
Consumer complaint received 2024-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I did some recent investigating on my credit report and noticed some err and inaccuracies and accounts that are mot mine and I want of deleted off my credit report.

in accordance with fair credit reporting act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % correct.

the credit reporting agencies stated that these account were properly investigated and came back as verified. HOWEVER. How is this true when there are several inaccuracies showing on my report. 

I KNOW MY DAMN RIGHTS as a consumer, I request to know all steps to know all steps that your agencies took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification - Description of reinvestigation procedure.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Stellantis Financial Services US Corp. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX XXXX XXXX [ XX/XX/scrub>XX/XX/24 ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Charged Off Account Dear XXXX Consumer Relations, I am writing to dispute the charged off account appearing on my credit report under the account number [ Account Number ]. After reviewing my credit report, I have identified discrepancies in the reporting of this account that I believe are inaccurate and require immediate rectification. 

Specifically, I dispute the accuracy of the information regarding the charged off account with your organization. I request for the following inaccuracies to be investigated and corrected promptly : 1. XXXX XXXX is reporting an account that does not belong to me. My correct name is not even on the account. I have even provided the police report as well and they yet to remove the inaccurate information. 

I demand that XXXX conduct a thorough investigation into the reporting of this account and provide me with a detailed explanation of the inaccuracies identified. I also request that the account be corrected or removed from my credit report in accordance with the Fair Credit Reporting Act. 

I urge XXXX to take immediate action to rectify this error and update my credit report accordingly. As a responsible consumer, I value the accuracy and integrity of my credit information. 

Please provide me with a written response acknowledging the receipt of this dispute letter and the steps being taken to investigate and rectify the inaccuracies outlined above. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-01
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. (LA)

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : However, they stated evervthin " " `g was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructons 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more tan seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate modity accounts tat isnt reporting correcuy. 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 ZA instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 
Account : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$340.00} Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00}
Consumer complaint received 2023-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the fair credit reporting act. The list Of accounts below has violated my federany Protected Consumer rights to privacy and Confidentiality under 15 USC 1681 Account name : fair collection & out Account numberXXXX Date opened : XX/XX/XXXX Account mame : XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Has Violated my rights. 15 U.S. c 1681 Section 602 A States i have the right to privacy. 15 U.S.G 1681 section 604A Section 2 : it also states a Consumer reparting agency can not furnish a account without my written instructions. 15 vis. 1681 c ( a X5 ) section States no consumer reporting agency may take any consumer sepost containing any of the following items of information any other than records of Convictions of crimes Which antedates the report by more than seven vears. 15 US. C 16815 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.

privacy and Confidentiality under 15 USC 1681.
Consumer complaint received 2024-02-19
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Freedom Mortgage Company (KY)

I have had a medical hardship that has cost me my career on XX/XX/2005z I contacted Freedom Mortgage & they sent a hardship packet. 
The 1st representative said I only needed to worry about the first few pages. I faxed the pages back to Freedom Mortgage & they said that they did not receive them on time & I would have to start the process over again. 
Freedom Mortgage remailed the packet & I filled it out & faxed it again. They responded that they did not receive the paperwork in full. I called them in XXXX & explained that our tax documents were destroyed in a fire. They said they would notate that to my account. I re-faxed the paperwork again, they denied it again, saying that I didnt have the included requested tax documents. I had already told them why and they said they would include that on my account, but they did not. 
At this time, I am moving forward with an attorney to represent me against Freedom Mortgage. 
I am XXXX, I have even offered to send them a copy of my medical diagnosis, they refused all of this. They have returned the paperwork or said that it was filled out in error, and it has been faxed back to them about five or six times at this point. They have left me with no choice but to contact an attorney so that I do not lose my home. 
Also, when I originally refinanced this house with Freedom Mortgage, they were supposed to pay off my credit card debt, and at the last minute they took my vehicle equity instead, and left me with the credit card debt. 
Freedom Mortgage is an evil company that needs to be shut down because they are taking advantage of people and giving them a higher interest rate while stealing their equity and then taking their houses.
Consumer complaint received 2023-10-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NV)

MOHELA is my servicer, and they are showing the XXXX nonpayment as ineligible for XXXX purposes. They at one point dated a letter for XXXX, but didnt actually send the letter ( via email ) until XX/XX/XXXX saying I was on forbearence. I called that same day to explain that I did not want to be on forbearence and I wanted to be in repayment as the XXXX payment should count towards XXXX and I never needed a forbearence. My last payment should be XXXX, XXXX, which I paid this past weekend. Their system switched me back to forbearence on XX/XX/XXXX, which I again had to call and get them to take off. Now their system doesnt show the XXXX payment as eligible because I was on forbearence, a forbearence they forced me on that I never requested. They are going to mess up the timeline for my XXXX forgiveness and its not right.
Consumer complaint received 2024-02-19
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Associated Credit Services, Inc. (NV)

On XX/XX/2024, Associated Credit Services contacted me via email on an attempt to collect a debt. Below I have a attached my response to Associated Credit Services as well as the email that was sent to me on their behalf. ( Please See Attachments )!
Consumer complaint received 2024-02-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY (KY)

My home was damaged by renters in XXXX. XXXX  XXXX XXXX  paid for the destruction and Wells Fargo told me to sign the check and mail to them. They would sign and immediately return to me. 
They never did. I was XXXX payment behind and had been making payments of 1/2 every two weeks, so I had an extra payment in the system. They gave me the non stop run around. I complied to everything that was requested. Then they said I must fix everything w my own money and they would release the {$7000.00} check afterward. They also refused a payment stating I had to get so far behind. They foreclosed XX/XX/2017, the bought the house for less than owed. I lost my home of 16 yrs as well as a stolen insurance proceeds check.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Associated Credit Services, Inc. (TX)

PER FCRA, as a federally protected consumer, I am now opting out of any and all authorizations or consents to report that I, the consumer may have given you, written, non written, verbal or non verbal. PER 15 USC 6802 ( See attached opt out letter ) EFFECTIVE : IMMEDIATELY & INDEFINITELY. DATED BACK TO XX/XX/2023 PER PRIVACY ACT AND YOUR TERMS & CONDITIONS YOU HAVE VIOLATED MY NON PUBLIC IDENTIFIABLE INFORMATION AND I ASSERT MY RIGHTS AND DO NOT GIVE CONSENT FOR MY INFORMATION TO BE SHARED WITH ANY AFFILIATES OR THIRD PARTY AFFILIATES ie : XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX etc...
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ACIMA CREDIT, LLC (NY)

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/2024 Acima Digital FKA SIMP XXXX XXXX XXXX XXXX FL XXXX UT XXXX Dear Sir/Madam, I am writing to dispute the collection account listed on my consumer report, which was reported by your agency. According to the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations, I have the right to request validation of this debt and to dispute its accuracy. Failure to Provide Validation Information : Under CFR 1006.34 ( b ) ( 5 ), it is required that collection agencies provide validation information upon request. To date, I have not received any validation information from your agency regarding the debt in question. Therefore, I am disputing the validity of this debt until proper validation is provided. Denial of Opportunity to Dispute Account : According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers have the right to dispute inaccurate information on their consumer reports. However, I have not been given a chance to dispute the account before it was reported to the consumer reporting agencies. Violation of Consumer Rights : I believe your agency has violated my consumer rights by engaging in false, misleading, and deceptive practices in attempting to collect this debt. Such practices are prohibited under various consumer protection laws. Lack of Authority to Furnish Account Information : It is my understanding that your agency has no authority to furnish any account to consumer reporting agencies without providing all required disclosures by law, as outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). As such, the reporting of this account without proper disclosure is in clear violation of these regulations. I hereby request that you cease all collection activities related to this account until the validation information is provided and I am given the opportunity to dispute the accuracy of the debt. I am also requesting to revoke all communication via Email, Phone calls, or Text. I am also requesting the purchase agreement between the collection agencies and the original creditor. I am also requesting that you furnish proof that collection agencies are licensed and bonded. Failure to comply with these requests may result in further action being taken to address these violations of consumer protection laws. Please provide the requested validation information and respond to this dispute within 30 days. Thank you for your attention to this matter. 

Sincerely XXXX XXXX
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2024-02-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Professionals, Inc. (UT)

I requested a medical debt be validated by the debt collector ( COLLECTION PROFESSIONALS ) and was provided with a document containing personal health information. According to HIPAA and the debt collector 's own response to my complaint ; The Privacy Rule 's definition of payment includes disclosures to consumer reporting agencies. These disclosures, however, are limited to the following protected health information about the individual : name and address ; date of birth ; social security number ; payment history ; and account number. 

They ( Medical Providers ) absolutely CAN NOT share the nature of your treatment or the details of procedures with your debt collector. This includes : -Paperwork or bills that disclose medications you've taken -Ailments or diseases you may have been diagnosed with or treated for. 

If a collection agency provides ANY of these private details, they are in direct violation of HIPAA regulations, and they face SEVERE fines.

As illustrated in the highlighted portions of the validation letter I received from the debt collector, the document contains private details of procedures performed by the medical provider. This is a clear and flagrant violation of HIPAA laws and a gross abuse and infringement of my rights and privacy.

I have attached a copy of the validation letter containing HIPAA violations and the response by the debt collector which dictates the only information they can request or access under HIPAA laws. Failure to remove this account from my credit reports immediately will lead to legal actions.