davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC. (CA)

The employer laid me off in XXXX and I paid for COBRA coverage to extend my health plan to the end of XXXX. 

As part of my benefits the health plan included a health savings account ( HSA ) and a limited purpose flexible spending account ( FSA ) that Optum Bank administers.

Optum issued one debit card that is used for both accounts. At one point in the past I could go on line and mark what account the charges should go against.

The FSA can only be for dental and eye care, while the HSA can be used for any medical expense. 
I paid my dentist in XXXX {$17.00} for an appointment I had on XXXX I paid my eye doctor for contacts {$240.00} XXXX 

They posted these two charges against my H.S.A account in XXXX. 
I tried to use my card to pay for another medical provider and it was rejected. 

I went on line to check the status and saw they put the two charges that should have gone to the FSA against the HSA. I am no longer able to change which account the charge goes against. I contacted them via the message function in my account. I will attach the string of messages to this complaint. 
I first contacted them on XX/XX/year> asking how to move. 
They responded on XX/XX/XXXX asking for details of the transactions. 
I provided that to them on XX/XX/XXXX, they responded the same day that it would take 2-3 business days to fix. 
XX/XX/XXXX it hadnt been corrected So I reached out to them again. They responded the same day that the request was routed to wrong team but they fixed that and to give it more time. 

XX/XX/XXXX I reached out again and they said to give it 3 to 5 business days. 

I reached out again and their XX/XX/XXXX response now is that my FSA is suspended. I expected my FSA to close since my insurance plan ended XX/XX/XXXX but these transactions took place in XXXX and my HSA is still active.

My HSA account has {$69.00} and my FSA has {$230.00}.

The charges that should have gone to my FSA total Total XXXX. 
That is XXXX more than what is in FSA, so all but the XXXX should go back to HSA.

I should then have {$280.00} in my HSA
Consumer complaint received 2024-05-14
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

I deposited to check in my son-in-law 's account that I got from my lawyers from the car accident. The tellers at the Chase Bank said it'd be okay to do that and I'd have my money in XXXX  days. It's been XXXX weeks they froze my son-in-law 's account they've got my check in fraud they won't give me my money back or my check. Cuz I'm not the account holder which they've closed his account now. I have a Chase account with you now but I can't do anything with that no money. I keep asking for my check back and they won't give it to me I want my money I have the obligations I have to pay and I have no way to get it they keep giving me the runaround on the phone over and over and over again I keep making complaints to the XXXX XXXX XXXX to your husband 's head department I'm getting nowhere and I need to get my check back or do I need to get my lawyers involved thank you
Consumer complaint received 2023-11-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (SC)

I deposit on XX/XX/22 amount of {$10000.00} and money was transferred to 3 or more accounts. I pay all money that due before deposit of {$10000.00}. Navy Federal system crash on mobile app of transfer to another union credit bank. I call and went local bank about my money. Navy Federal state that money never send and close and told me send me email about situation. I never received email and bank act like I spend my money. From what told to me at local branch, the system crash and now that they discovered that. Navy Federal must filed claim against insured to reclaim my money. Now they stated to me that my money never sent over, but it was not returned.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: NAVY FEDERAL CREDIT UNION (VA)

as a consumer, I did not conduct any of those transactions I did not authorize any of those I demand immediately that those accounts be removed or each account that is reflecting on to my report, I will restart requesting {$1000.00} for each inaccuracy that has been reported onto my consumer report.
Consumer complaint received 2023-09-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (PA)

My loans never decrease, I am not a fool I know they XXXX  us all over, I went from being provided loans through Great Lakes, I can't remember who they were before that, now they're with Nelnet. They're doing exactly what XXXX XXXX XXXX XXXX did, only with my loans.
Consumer complaint received 2024-05-14
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: SUNRISE CREDIT SERVICES, INC (MO)

This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me.
Consumer complaint received 2023-06-26
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

My husband and I filed for XXXX XXXX Bankruptcy in XX/XX/2020. Our Mortgage to Pennymac is paid outside of our bankruptcy and is not included. I have called Pennymac on numerous occasions to report accurately that we have continued making payments and that our account is still open, but they said they will not while we are in bankruptcy. 

I feel this is very unfair to us as a consumer because we do have an open account with them and have continued to pay our mortgage payment. I am including an activity payment log downloaded from Pennymac as proof of our payments. 

On XXXX and XXXX, our mortgage is listed as CLOSED. On XXXX, our mortgage doesn't even show up ( even though it used to ). I have put in a dispute with XXXX and XXXX in the past to get this resolved but with no luck. XXXX can't do anything because it doesn't appear on my report. Today, I once again put in a dispute with XXXX and XXXX to show account as open.
Consumer complaint received 2018-11-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A. (GA)

On XX/XX/XXXX, I legally changed to my married name on my XXXX State driver 's license and US Passport. I contacted PNC Bank to ask how to change my name with them. They supplied me an address to physically mail a request to change along with supporting documents. I called 10 days later to confirm they received it. They stated it was changed on the loan only. I requested them change it on my vehicle registration and Title as I could be cited in a traffic stop for my registration not matching my ID.I complained online on XXXX on XX/XX/XXXX that PNC still hadn't changed it. That afternoon i was contacted by their resolution team by XXXX XXXX ( XXXX # XXXX ). I responded with an email of my best times to speak on the phone as she requested. That next day ... no call. I called the number she provided and after getting out to 4 different consultants, I was given to XXXX XXXX XXXX. She told me to contact my DMV and XXXX   Dept of Motor Vehicle registration and see what they told me. These places all said she had to handle it. I also during this time, contacted my XXXX XXXX tag office to ask them what they suggested. I have an email proving they stated it has to be done by PNC. XXXX said she would research and get back to me. On Monday XX/XX/XXXX, i called and spoke to XXXX XXXX at PNC and she said XXXX XXXX was out but she would inform her to follow up. I literally left a message daily after that to see why she hadn't called me back. I called XX/XX/XXXX & XX/XX/XXXX and requested that someone contact me regarding my request as XXXX XXXX has not returned my calls. I spoke with XXXX and XXXX at PNC Retail escalation ( I have their extensions as well as call logs proving this ). They all refused to assist me and kept saying XXXX XXXX would contact me. They also verified she was at work to respond to me. I was told her manager would also be made aware of my concerns. Today, XX/XX/XXXX, XXXX called me and informed me that XXXX XXXX said she never spoke with me even though PNC has recorded lines. He said he would be taking over and asked for my ID information again after i had confirmed PNC received it along with my request weeks prior. He said he would research how to change my name on registration and title. I asked him if he would like the email from the Tag office stating it was up to PNC. He refused that. I feel like PNC is refusing to perform what i have requested as a loan holder and i have provided everything needed for them to accomplish this.
Consumer complaint received 2023-04-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (FL)

XX/XX/23 Account was hacked twice for {$1000.00} twice by the same person. Bank determined that first {$1000.00} taken was fraud, but said we authorized 2nd transaction. Bank alerted us to fraud when a third transaction, by same person, was attempted. We have provided multiple pieces of evidence to show we did not make nor authorize these transactions and it makes no sense to us how that bank could say one transaction by the same person was fraud but the other was not. They have refunded the first {$1000.00} but refused to refund the send transaction of {$1000.00}. Evidence provided are 1 ) Fraud alert from bank with same transaction name, 2 ) phone data usage that shows our phone were not in use at the time of the transaction, 3 ) fraud alert text from XXXX XXXX  on third attempt for {$500.00} from same person. 

Will submit all evidence upon request. 

Also, person in question has recently been arrested on other unrelated fraud charges, according to the person we were working with at our bank.
Consumer complaint received 2023-09-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (GA)

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 Re : Inaccuracies and HIPAA Violation To Whom It May Concern : This letter is being sent to you in response to your recent letter. 
This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, The date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 
The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 
Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XXXX XXXX XXXX 
HIPAA Collection Agency Validation, Dispute, Cease & Desist This letter is to notify the agency that the debt is beyond SOL, or is invalid for other reasons, and subject to the HIPAA privacy laws. 

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. 
I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges and/ or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB XXXX XXXX  and XXXX XXXX XXXX for violations of the FDCPA, FCRA XXXX and Federal and State statutes on illegal collection activities on any account that may be time barred as well as in violation of [ name of your State ] medical privacy rules. 
I also hereby reserve my right to take private civil action against you to recover damages. 
Sincerely, XXXX XXXX
Consumer complaint received 2018-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Diversified Consultants, Inc. (CA)

On XX/XX/2018 I settled my account in full with Diversified Consultant Inc. I was advised of receiving my paid in full letter within the next 2 business days and that it would be removed from my credit. I took precaution to file a dispute of my own thru XXXX. I tried reaching out to Diversified Consultant Inc. several times regarding my concerns, but the consultant just keep giving me the same answer that they are working on it. Fast forward to today, I made another attempt to resolve the issue. The consultant, XXXX, stated to me that he is still working on getting my paid in full letter and that they do not remove items from the credit bureau. I asked XXXX that many creditors have done so in the past and Diversified Consultant has done it before based upon their previous client 's reviews. XXXX just simply stated that they do not do it and disconnected on me without true reasoning. I am contacting the Consumer Financial Protection Bureau to investigate the unfair, improper treatment of their clients.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

To whom it XXXX concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX XXXX whose is reporting a collection amount of {$1400.00} balance. This agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of XXXX XXXX, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, Experian, and XXXX respectfully. Thank you in advance for your attention to this matter.
Consumer complaint received 2023-11-15
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (GA)

A unpaid phone bill of XXXX but on my credit report its XXXXXXXX XXXX  on my XXXX credit report. Date XXXX XXXX Amount : XXXXXXXX XXXX I XXXX XXXX contacted Credence resource management and created an payment plan XXXX  is the original debtor
Consumer complaint received 2024-05-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: eToro USA LLC (AL)

I did some online trading on the platform etoro. Have tried to withdraw funds several times and it was always something different that I needed to do differently. I had to always come up with a lot more money to withdraw funds I also paid taxes on this money that I never received
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I was taken advantage of due to malpractice, while several laws were being broken under the FCRA by your company. This has caused me incredible financial injury, it has caused me defamation of character, caused me to be denied a job, and I can not apply for credit because of this. It has seriously hurt my ability to obtain credit.
Consumer complaint received 2024-05-14
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: Nelnet, Inc. (FL)

On my credit report I saw that Nelnet, who was the loan agency who had my student loan transfer the debt to XXXX. They did not update my credit report and it stills shows that I have that student debt, This student debt was paid in full because I got a loan forgiveness.
Consumer complaint received 2024-05-13
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC. (LA)

I have an investment account with Robinhood I started around covid. I havent kept up with it and asked my grandson to help me sell it and get the money out. Im not good with technology so his help is the only way this will work. They locked the account when he tried to withdraw it. I called to lift the restriction but I needed his help to login and they wont let me do anything because hes in the room to help even though its with my permission. Now my account is locked and they are trying to keep over XXXX dollars of my money. Please help.
Consumer complaint received 2023-11-15
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: Experian Information Solutions Inc. (NV)

The unverified items indicated below continue reporting on my credit report despiteseveral written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you donot validate these items. Please follow the law so that this situation can be settled quickly. 

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 2023-11-15
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: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-09-26
Product: Credit card — Store credit 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: CITIBANK, N.A. (IL)

Order two of the same gaming systems and I only received one. They said someone sign for it and nobody with that name lives in my home so I never received it and they said I still had to pay for it. The cost was XXXX Im not paying for something I never received. Called them several times sent them a police report not seems to help. The company name is Best Buy.
Consumer complaint received 2023-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 


XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-20
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. (MI)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX  XXXX XXXX, MI XXXX XX/XX/2022 ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00}