davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Grant & Weber (CA)

I was in a car accident in 2016 and I ended up having to go to the XXXX. The accident happened in a company car but I was considered an independent XXXX at the time and I had my own insurance to cover the costs of my medical issues. The hospital over heard me say it happened in a company vehicle and refused to bill my insurance and forced me, in my incompetent state to file for workman 's comp. The company I was working for at the time did not take responsibility for the medical bill I was left with. They fired me from my job because of this reason so I was unable to pay the bill off myself. I tried to submit to XXXX XXXX XXXX all the necessary information to dispute it so they would charge my insurance but they never contacted me back in regards to this bill so I was under the assumption they billed my insurance ( being the nave XXXX XXXX XXXX I was at the time ). Fast forward two years I make a XXXX XXXX account and it says I owe {$14000.00} to a debt collector 'Grant and Weber ''. I have received no notice what so ever about this account and was fully unaware and if I knew sooner I would have figured something out before it got to that point. I didn't get any notice from XXXX or the Collections company and the interest on this account goes up almost every week and is almost double the original amount of the bill I originally received. I am not understanding why this has happened and I would like to figure out my options moving forward considering I had no knowledge of this debt. I have learned some new information that Medical centers and collection agencies are legally not allowed to sell my medical information 's to company 's such as XXXX  XXXX, whether that be true or false I am just trying to get to the bottom of this. I have tried to dispute this with the collections agency and they are very rude and unhelpful and often times hang up on me. I've tried to dispute it through XXXX XXXX  and they deny it every single time. This is my last result of trying to handle this debt.
Consumer complaint received 2017-04-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There are multiple inquiries, that i did not authorize on my credit profile. I disputed with Transunion and they are stating my info is factual, and i need to contact creditor. I contacted creditor and they in turn removed but its still showing on my credit report.Please remove the following inquiries off my report, they are not my inquiries. 
XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Union XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Union XXXX XXXX XX/XX/XXXX Credit Union XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automotive XXXX XX/XX/XXXX XX/XX/XXXX National Credit Cards/Airlines XXXX XX/XX/XXXX XX/XX/XXXX Department & Variety Stores
Consumer complaint received 2023-08-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I am the Personal Representative of the estate of my brother. He was receiving distributions from the federal Thrift Savings Plan monthly into his Bank of America checking account, via ACH. These distributions continued after his passing until the TSP processed the death notification. Bank of America closed that account as part of the estate resolution process, but two distributions were sent to the bank after the account was closed. Those two distributions, totaling {$4000.00}, are entirely missing.

TSP claims they were not returned from Bank of America and has issued a 1099 reflecting that amount as having been distributed.

Bank of America claims to have no record of having received those distributions. I spoke with Customer Service at BofA and they informed me that they would not research this issue further unless I could provide ACH transaction trace IDs. I have requested TSP to provide those IDs but they are unresponsive. 
There is no reason to suspect that the distributions via ACH did not reach the bank since this had been functioning properly for many months prior to the account closing.
Consumer complaint received 2021-05-11
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: Onity Group Inc. (NC)

I have received a copy of my credit report and it shows company ( Original Creditor : GMAC ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$200.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2021-05-11
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. (NY)

Experian makes it difficult to place a credit freeze on personal accounts. On their website they try to upsell their paid products. When trying to place a standard freeze ( in my case due to identity theft and fraudulent NYS unemployment and use of my SS # and name ), one is directed to an external page, where after attempting to enter my ID details, an error occurs and I am directed to send a certified letter with a number of copies of documents. This was not the case with XXXX I suggest you investigate Experian, and hopefully others won't be pushed to upgrade to their paid products.
Consumer complaint received 2023-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 2021-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM WRITING TO YOU BECAUSE THE ACCOUNT OF XXXX XXXX IS REPORTING INCORRECT OR NOT THE SAME INFORMATION ON EACH BUREAU. I DO NOT BELIEVE THAT THE AGENCIES ARE DOING WHAT THEY ARE SUPPOSED TO BE DOING WHEN IT COMES TO INVESTIAGTING THIS REPORT. I AM BRINGING THIS COMPLAINT TO YOU BECAUSE UNDER THE FCRA THIS ACCOUNTIS AN INCOMPLETE ACCOUNT. IF YOU NOTICE ALL BUREAUS ARE REPORTING DIFFERENT INFORAMTION. THIS CLEARLY SHOWS INACCURATE INFORATION AND THAT THE COMPOANY IS INACURATELY REPORTING FALSE INFORMATION. THIS COMPOANY ALSO IS A FRAUDULANT COMPMAY WHERE AS I HAD REQUESTED VALIDATION OF THIS ACCOUNT AND THEY COULD NOT PROVIDE ME WITH ANY OF WHICH I WAS REQUESTING. IF THE OTHER TWO ARE REPORTING CURRENT AND POSITIVE WHY THE XXXX IS THIS ACCOUNT REPORTING THIS WAY INTRANSUNION?! I WOULD LIKE FO RIT TO BE REMOVED FROM MY REPORT WHICH IS HOLDING ME BACK FROM MOVING FORWARD.
Consumer complaint received 2021-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (NC)

Navy Federal is stopping me from access to my account due to and identity issue of me using a ein and not a social security number. 

I have been stop from doing the works of my Heavenly Father. 

Privacy Act of 1974 552a note ( Disclosure of Social Security Number ) ) provides that : It shall be unlawful for any Federal, State or local government agency to deny to any individual any right, benefit, or privilege provided by law because of such individual 's refusal to disclose his social security account number. Sec. 7 ( a ) ( 1 ).
Consumer complaint received 2023-08-08
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. (GA)

I am writing to formally dispute the information reported regarding the charged-off account with the reference number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX,. The discrepancy arises from the differing last active dates reported by XXXX and Equifax, which has led to confusion and inaccuracies on my credit report. 

Upon reviewing my credit reports, I noticed that XXXX has listed the last active date as XX/XX/2021 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. This inconsistency has raised concerns regarding the accuracy and integrity of the information being reported, potentially affecting my creditworthiness and financial standing. 

I kindly request that you thoroughly investigate and rectify this matter promptly. I expect the credit bureau to conduct a comprehensive review of my account information and make the necessary corrections to ensure that the reporting is consistent and accurate across all credit bureaus. 

In accordance with the Fair Credit Reporting Act, I am formally requesting that you provide me with a written explanation of the steps taken to resolve this dispute. Additionally, I request that you provide me with a corrected copy of my credit report reflecting the accurate and consistent last active date for the account in question.
Consumer complaint received 2021-05-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America 's credit card debt of {$10000.00} was sent to a credit collection agency in XXXX. 
The agency or bank of America did not provide any notification about the charges or details of my debt. I received only phone calls but no other physical documentation. 
In XX/XX/XXXX, I sent a debt validation letter ( Registered Mail ) to the collection agency listed on my credit report. To date, this agency did not reply and keeps reporting about my debt. I am not sure who is the collection agency or how they came up with the money I owe and whenever I ask for details they don't provide any proof or validation. Thank you.
Consumer complaint received 2024-03-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC. (FL)

I tried doing an instant deposit of {$2600.00} back in XX/XX/XXXX. My bank approved the withdraw but robinhood never processed it. 2 days later, robinhood tries to do the transaction 2 more times, successfully removing {$5200.00} more from my bank account. That money never reached my robinhood account either. Since those extra {$5200.00} never showed in my robinhood account as a pending transaction, I assumed it was an error with my chase bank. I filed a claim with my bank for those 2 extra {$2600.00}. After 2 weeks of back and forth communication with XXXX customer service and the XXXX XXXX XXXX, They were able to confirm that those two extra withdraws were in fact successfully sent to robinhood. 

After filing a complaint with the CFPB on XX/XX/2024 for the initial {$2600.00}, I get that initial deposit in my robinhood account on XX/XX/XXXX. 
The other two withdraws from my bank for {$2600.00} each never reached my robinhood account and are still unaccounted for. This whole situation has been extremely overwhelming and Im really concerned I just lost {$5200.00}.
Consumer complaint received 2023-06-02
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. (FL)

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

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 XXXXXXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 than 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.
Consumer complaint received 2021-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (WA)

I submitted a credit card application with Chase on XX/XX/2021. After a few days I called to follow up on the status, and they said they needed documents from me, drivers license, business license, EIN etc. Chase provided a link and uploaded all the documents that were requested. I followed up again, and a customer rep said they need proof of address. I recently moved and my drivers license shows my previous address. I provided a utility bill from the beginning and the customer service rep confirmed they had received it. But he said they still need other information at the time another link was sent to me requesting a copy of my drivers license. I was confused and sent it again. I called again to follow and another customer service rep at the time said my application had been denied because my drivers license wasnt valid. She was rude and not helping. I had to question her further to get to the bottom of the issue that it was the address on my license doesnt match my current address. I told her there were other ways to verify my address, she said I could fax or go to a chase branch and they could fax my utility bill. I went into a branch and they faxed my electricity bill. I called back and they said they had received and there wasnt anything else needed from me. Then, I got a letter saying that the document I provided ( my electricity bill ) did not provide the information they need it ( proof of address ). Even though a utility bill is aceptable proof of address per their email.
Consumer complaint received 2021-05-11
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am writing in regards to the apparent fraudulent access to my EDD/Bank of America account. 

On XX/XX/2021, I used my EDD/Bank of America debit card at a Bank of America ATM XXXX XXXX XXXX XXXX CA XXXX and withdrew {$1000.00}. 

On XX/XX/XXXX, I used my EDD/Bank of America app to check my account balance but the account had been locked so I could not access my account or see my statement. I then called customer service to tell them I could not access my account. I was put on hold for over 30 minutes. When I finally spoke to a representative, I expressed my concern about the fraud and they said that they had fixed the problem but gave me no solutions other than that they would send me a new card. They said that 5 separate withdrawals of {$1000.00} from the XXXX XXXX area during the days of XX/XX/XXXX - XXXX. 
I have never given my card to anyone, never used it online, I only use it at a Bank of America ATM near my house XXXX XXXX and definitely dont travel to XXXX California. 

Thursday XX/XX/XXXX I called the claim office where they said that the case was already closed but then reopened but still not providing me with any answers as to how these withdrawals happened or what would be done to compensate for the theft of my money. I dont understand how the case was closed without informing me about the investigation and without a resolution in place. All I am asking is for an investigation into how and who has accessed my EDD/Bank of America account and stolen {$5000.00} and when will I be compensated.
Consumer complaint received 2017-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

My property was sold in XXXX with the assurance that because of the XXXX balance, XXXX XXXX XXXX would not place derogatory information on my credit report. It appears that information from XXXX and XXXX termed derogatory are on the credit reports of XXXX and Transunion. 
I would appreciate this derogatory information removed.
Consumer complaint received 2021-05-11
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: CITIBANK, N.A. (CA)

I have a Citi DoubleCash credit card for which I requested a cash back check in the amount of {$620.00} in XX/XX/XXXX. When I didnt receive the check by mid XX/XX/XXXX, I called the Citi customer support line. After several calls over a two-month period, I was eventually told the check had been cashed and that a copy of it would be sent to me. Since I never received and/or cashed the check, a crime was committed. 

I eventually received a copy of the check from Citi and I reiterated to Citi that it wasn't my signature on the endorsement line. In XX/XX/XXXX, Citi asked me to provide additional information ( by filling out a fraud form ) and affirm that it wasn't my signature on the endorsement line. I did as requested. But in the ensuing months as I've attempted to resolve this issue, Citi has only responded to me with additional copies of the check and letters saying that the check was cashed. An example of the responses I've received since XXXX is provided by the XX/XX/XXXX letter that I've included with this complaint. 

No one at Citi has been willing to provide me with information to report this crime. I would like to file a police report with my local police department. Ive asked Citi, both over the telephone and in a letter, how I can get additional information about this transaction such as where the check was cashed, was it deposited into an account and whether any identification information was recorded when the person cashed the check. 

As I stated, in response to my written and telephonic inquiries, Citi simply responds with another copy of the check and another letter stating that the check has been cashed. The company seems unwilling to make me whole ( by remitting the amount of the check ) or to even provide me with any information about this crime.
Consumer complaint received 2021-05-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (TX)

My complaint is that the account is reported as {$1100.00} past due however they have failed to provide proof of this debt and it is hurting me and my ability to finance a new home. I have specifically requested the final account statement and automized statement showing option proceeds and final balance after all fees applied, the value of this account far exceed the value of this loan this debt should be resolved as XXXX balance and reported as satisfied or paid in full. this account has been reporting inaccurately for the past 3 years and it has been hurting me and credit the entire time. I have already made the payment on this account and i should not have a balance on any of the credit bureaus please help me.
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (VA)

Please update my personal information on XXXX XXXX, Experian. 

My only address is XXXX XXXX XXXX XXXX, VA XXXX. 

any other addresses do not belong to me and need to be removed.
Consumer complaint received 2022-11-02
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: Experian Information Solutions Inc. (NY)

This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-05-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Resource Systems, Inc (FL)

A few months ago I went to XXXX XXXX  because I have three XXXX XXXX  that were causing me issues. I did not have the adequate insurance, so the dentist was kind enough to offer one of the services for free, while I paid the remaining balance with a credit card. A few weeks after that, I received a bill from XXXX stating that I had a balance of about {$100.00}. I called XXXX, and told the young lady that they had sent me a bill accidentally because I did not owe anything. The young lady agreed and stated that she will ensure that the billing department fixes the issue. I received a second bill, and I called again. I was told that the issue was resolved and it was evident I had a {$0.00} balance. Today, on XX/XX/2021, I received a bill from XXXX XXXX XXXX stating that my XXXX account was sent to them and that I owe {$130.00}. The account # on the notice is XXXX. I contacted the collection agency and they told me that if I can obtain paperwork from XXXX, the debt would be removed. I have called XXXX and left voicemails. I have not been able to speak to anyone as of yet.