davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: COLUMBIA BANKING SYSTEM, INC. (WA)

I opened a basic deposit account with Umpqua Bank on XX/XX/2023, which I was approved for. Umpqua sent me an email stating " Your application is approved and your account is now open. Your confirmation number is : XXXX. You have chosen to charge your credit or debit card to deposit money into your new account. This transaction will post to your credit or debit card in the next few business days '' ( see attached image ). At the time of account opening, I funded the account with {$2000.00} using my credit card ending in XXXX ( also see attached image ). I also set up online and mobile banking so I could check my balance on my phone and on the go. On XX/XX/2023, I received my first monthly statement. I made no further transactions and my balance is {$2000.00} ( plus nominal interest ). All seemed well. 

However, starting in early XXXX, I could not log into the app. After several unsuccessful attempts throughout the first couple weeks in XXXX, I finally called Umpqua Bank on XX/XX/2023 as I received no communication from this shoddy establishment and was feeling uneasy. I spoke with several representatives, including supervisors and the XXXX on duty. They informed me that my account had a " restriction '' placed on it and I would need to visit a branch to proceed, while also ( wrongly ) telling me my balance was {$0.00}. After inquiring further, they found the {$2000.00} account opening funding but reiterated that I must come into a branch to verify the account funding source, which had an issue. At this point, after repeated back and forth, I asked my account please be closed immediately and a cashier 's check sent to my mailing address in WA. The XXXX XXXX refused and is effectively holding my {$2000.00} hostage with no feasible option for me to retrieve the funds.

I want to be very clear : I successfully opened and funded a savings/checking account with {$2000.00} back in XXXX. Now in XXXX, the XXXX XXXX is now holding my {$2000.00} hostage and refuses to release the funds or give it back to me via check for account closure. I am unable to close my account and get my money back, and the bank is unwilling to help me. 

This negligence can not be tolerated, and I have already disputed the credit charge with my financial institution and plan to also file a police report and press charges for the {$2000.00}.
Consumer complaint received 2022-10-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

An investigation needs to be done on XXXX  XXXX  XXXX XXXX. 

I would never use XXXX XXXX again. How many other patients had XXXX tests and were lied to by XXXX XXXX that your insurance would pay for it in full and then received a bill? This scum bag medical facility then sent me to a collection agency. YES, I do have the money to pay but you lied to me and told me there was no co-pay. You didn't collect a co-pay from me at arrival and told me the insurance was covering it 100 %. 
How many other people did this medical facility defraud?
Consumer complaint received 2023-07-11
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: AMERICAN EXPRESS COMPANY (GA)

On XX/XX/2023 I filed an Identity Theft Affidavit with the Federal trade Commission for illegal reporting from the credit reporting agencies. 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer Identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-07-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I have my mortgage with Mr Cooper and I submitted my tax exemptions months ago. The mortgage didnt come less but {$300.00} more and Ive been calling and finally spoke with one person who didnt know what to say and told me they will call me back a month a go and nothing. Ive been trying to reach someone and they hang up. I cant get a hold of anyone there.
Consumer complaint received 2023-04-23
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. (NY)

THEY KEEP GIVEN OUT MY INFORMATION TO THESE COMPANIES AND PUT THEM ON MY CREDIT REPORT WITHOUT CONTACTING ME FIRST WHICH IS AGANIST THE LAW HAVE NO CONTRACT WITH THEM PLEASE PRODUCE A CONTRACT WITH MY SIGNATURE ON IT OR TAKE THIS OFF AGAIN AND DO NOT PUT IT BACK ON THERE
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Boa closed my account without reason while my account was in the negative due to financial hardship. Bank of America falsely reported potential fraud on my XXXX XXXX  account. I never committed fraud and its affecting me opening up accounts with other banks.
Consumer complaint received 2023-07-13
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. (NV)

This is one of my multiple attempts to notify XXXX AND TRANSUNION credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Consumer complaint received 2023-08-05
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: EQUIFAX, INC. (TX)

Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. 

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. 

XXXX XXXX XXXX  agreed not to share my financial history with non affiliates. Equifax is not an affiliate of XXXX XXXX XXXX  and is NOT considered the credit bureau. The only credit bureau is the CFPB and they DO NOT furnish credit reports.
Consumer complaint received 2023-08-22
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. (FL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.
Consumer complaint received 2023-09-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

I received a call from TSI stating we owed {$1000.00} for unpaid balance to XXXX XXXX from XXXX, XXXX. It was my name on the complaint but the address was XXXX XXXX XXXX XXXX, XXXX MN & we sold that house in XXXX. This call came in on XX/XX/XXXX. They had no proof of the transactions. They told me they would contact XXXX XXXX XXXX XXXX would send an itemized statement of the transactions. I was suspicious that TSI didnt have that information since they had acquired the bill. Also they had my phone number & I had never heard from either company before. Thank you.
Consumer complaint received 2022-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

We had two ( 2 ) accounts with Citibank. 
They closed one of our accounts around XXXX, so we have only one active account with them. 

On XX/XX/XXXX and XX/XX/XXXX, they applied our payments ( {$860.00} and {$610.00} respectively ) to the CLOSED account that has no activities to offset which resulted in interests on our CURRENT account. 
Upon discovering the error, we made double payments to current account in an attempt to minimize interests charged. 

We have made repeated attempts to rectify this error and they credited one small amount ( {$19.00} ). 
We feel we should be reimbursed for the full amount ( {$75.00} ) as this is their error and we have been paying on a timely manner. 

{$94.00} - {$19.00} {$75.00} They have refunded us a check of {$1400.00} ( {$860.00} and {$610.00} ) on XX/XX/XXXX rather than apply it the proper current account that may have triggered a reversal of these interests.

Their last response was their denial of full refund. 

I will attach copy of their response along with our research which should be easy for them to verify.
Consumer complaint received 2023-07-13
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. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  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 2015-06-16
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Monterey Financial Services LLC (WA)

I took out a loan for {$490.00} for furniture. The advertising at the store said " 90 days same as cash financing. '' Wrong!! They said it would be {$550.00} over 90 days and they would charge me an extra {$15.00} to make that XXXX even payments. When I asked how much it would be to pay in full that day ( 5 days later ) I was told it would be {$540.00}. Then I was told it would be {$530.00}. Then after spending 45 minutes on the phone when them and exchanging many e-mails asking where these fees were coming from they had a " supervisor look into it '' and I 'm now paying the original amount plus a {$25.00} service fee. They have been deceptive from the start and just try to get as much money as possible out of people. Now that I 'm trying to pay it online ( for an extra {$10.00} charge ) there are more issue and if I call to pay it there 's another {$15.00} fee.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2023-08-22
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. (TX)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-25
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. (IL)

On my credit report it show it is a charge off, and I called the original creditors and they said the debt was sold to another company. I was telling them to please remove the account off my report
Consumer complaint received 2023-07-12
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. (TX)

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. 

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 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 2022-05-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (FL)

I disputed this medical collection from XXXX XXXX XXXX account number XXXX, which was not suppose to be showing on my credit report due to HIPAA privacy rules which I stated in my letters to the reporting agencies. Furthermore, the time frame for responding to my disputes has not been met, and I need this removed. 

In addition to that, I would like this account to be removed as well from CCS Collections account number XXXX due to HIPAA Privacy.
Consumer complaint received 2023-04-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USCB, Inc. (CA)

By phone conversations we have tried to get the itemized list of care made. The initial bill was over {$1400.00} seen XXXX XXXX for few minutes not given any medications or nor procedures had XXXX XXXX so how come it was so much. Was not able to resolve with them made several attempts. Also we gave our CC information because we were told had to set up on auto pay to pay off before it could be resolved.
Consumer complaint received 2023-09-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

I can't access my new account on EdFinancial. There is an old account and a new account. I can access my old account, but not the new. I received an email stating that my new account is ready to use. It states " Your new online account is ready! Your student loan ( XXXX ) with Edfinancial Services was successfully transferred to our new system. '' I did what I was told. I tried logging in and it doesn't not work. I tried contacting them and getting no reply. I tried using their Chat line and I get no reply. I have emailed them and still got no reply. I received mail from them saying how to log into the new account, how much I own and the payment due date ( in XXXX ). How can I repay my loans when I can't log in? 
Other people have this problem too.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the Fair Credit Reporting Act XXXX Account ( s ) Name ( s ) and Number ( s ) : Account name : CAPITAL ONE PLATINUM CARD ; Account number : 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.
Consumer complaint received 2022-12-13
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: EQUIFAX, INC. (TX)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or XXXX party data furnishers.
Consumer complaint received 2022-10-25
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. (GA)

I want these inquiries removed as they are not tied to any open accounts. They are negatively impacting my score and I believe it is an unfair representation of my creditworthiness. 
Inquiry 1 : XXXX  XXXXXXXX XXXX XXXX  ) on XX/XX/2022 Inquiry 2 : XXXX XXXX XXXX XXXX  ) on XX/XX/2022 Inquiry 3 : XXXX XXXX XXXX XXXX XXXX on XX/XX/2022 15 U.S. Code 1681a ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or
Consumer complaint received 2023-08-22
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: EQUIFAX, INC. (TX)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-22
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. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX