davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Society Business Services, Inc. (AZ)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the 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. I have done many attempts to reach out to the XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$1400.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX  XXXX Balance {$1600.00}
Consumer complaint received 2022-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

Friday XX/XX/XXXX -my card was pick pocketed around XXXX in XXXX XXXX -I  was using it for retail shopping, a few minutes later I noticed my card was missing -I immediately checked online and noticed an unauthorized trasanction -The retailer XXXX  XXXX was steps away transaction amount {$300.00} -I immediately entered XXXX, they confirmed my card was used by a lady -I immediately notified Citi who cancelled my card and mailed me a replacement As of today XX/XX/2021 the charge from XXXX  for {$300.00} was still on my card, Citi has not removed the charge, to protect my credit worthiness I was forced to pay the amount since I pay the card in full every month. I've tried many times to call Citi and continue getting transferred around until eventually the call is ended by dead air.
Consumer complaint received 2024-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

I've tried multiple times to make a payment towards my loans but each time I receive an email saying : " Payment Has Been Reversed From Account : Please be advised your financial institution returned your payment effective XX/XX/year>, in the amount of $ {$200.00}. 
The payment has been reversed from your account for the following reason and your account may now be delinquent : NO ACCOUNT / UNABLE TO LOCATE '' I have reached out to XXXX Bank, who doesn't see any issues with my account. I have been approved for Mohela 's Auto Debt and inputted my account information - I copied the routing number and account number DIRECTLY from XXXX, it is correct. 

I have a scheduled payment coming out XX/XX/year> but am afraid it's going to be " reversed '' again. 

Tried calling Mohela, got a " trainee '' who couldn't help, and transferred me to a " mentor '' I waited an hour on hold but had to get back to work. 

Because the payments are being " reversed '' I'm receiving late fees/interest payments.
Consumer complaint received 2023-01-20
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. (NY)

By the fair credit reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C1681. Account Name : XXXX XXXX  Account # XXXX. And account Name : XXXX XXXX Account # XXXX. Has violated my rights. 15 U.S.C 1618 section 602A. States I have the right to privacy. 15 U.SC 1618 Section 604A. section 2 : also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1618c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of any information or any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1618s-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 2023-01-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.
Consumer complaint received 2019-09-12
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: CW Financial (NY)

SECOND TRY - company has not responded! CW Financial is just awful! This proves it. I NEED THIS TAKEN OFF MY REPORT! IS NOT MINE! Help, please!!!! 

FIRST TRY ( ORIGINAL COMPLAINT - COPY AND PASTED ) I consistently keep asking for this item from to be taken off my credit report. It is not mine. I will not stop until it is taken off!
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TOYOTA MOTOR CREDIT CORPORATION (OH)

In XX/XX/2021 I was notified by XXXX that there was a credit inquiry on my report for XXXX Toyota for financing. I did NOT give permission for this inquiry and never even visited the dealership. When I contacted the dealership and asked them why they ran my credit, they said its no big deal just call XXXX and they would remove it. XXXX stated that I should contact the CFPB and pending the results of an investigation by the agency they would determine steps for removal.
Consumer complaint received 2022-05-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. ()

I collect my salary under the XXXXXXXX XXXX 3 months ago I made a transfer to Coinbase to buy XXXX, make transactions and then withdraw my money to another account. 
This month XX/XX/2022 the company informs me that my account has remained restricted and does not let me operate, it does not give me any warning or excuse as to why they made this decision. When I contact Coinbase support, they don't give me an answer, they just tell me that they don't support the country I'm in ( XXXX ), but until last month, I could operate normally. 
So, they have withheld my money, saying that I can only convert it within the platform, but not take it out.
Consumer complaint received 2022-01-03
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: EQUIFAX, INC. (PA)

I, XXXX XXXX XXXX, have consistently been exercising my rights and notifying Equifax that the XXXX complaints submitted ARE NOT GENERAL DISPUTES!!! I have stated that clearly several times. The agency is still disregarding what my letters and complaints are saying and are still violating my rights. I am not denying nor am I validating the account. First, I stated that XXXX XXXX XXXX. XXXX ( XXXX ) ( XXXX ) ( XXXX ) ( iii ) says that transactions should be excluded from a consumer report. Payments are transactions that should not be reported. Next, FCRA XXXX XXXX. XXXX states a consumer report should NOT be furnished with the written and expressed consent of the consumer, which I have never sent. Also, any account created from a credit card is to be excluded from a consumer report via XXXX XXXX. XXXX ( XXXX ) ( XXXX ) ( XXXX ), with a credit card being a driver 's license and a social security card. I also asked the specific procedures of the re-investigation and i should've gotten a response within XXXX days according to XXXX XXXX. XXXX but the agency also did NOT comply with the law yet again. For the record, only the original credit can validate an account per XXXX XXXX XXXX and a creditor only refers to a " person. '' Equifax never validating anything with me. 

NOTE, nothing in my complaint says anything about verifying, validating, or denying information on my consumer report. Rather, I am stating my federal rights are being violated intentionally and my complaints are being disregarded. And if you don't understand the legal ramifications, forward this to an attorney and not a consumer relations representative.
Consumer complaint received 2022-01-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (TX)

I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX located at XXXX XXXX XXXX XXXX Texas XXXX at approximately XXXX on XX/XX/XXXX. I went in into the lab with a list from my doctor for tests to be performed. I paid in advance for the tests ordered because I do not have insurance and am on a budget. I paid for the ordered tests and had them performed. Then I received ( XX/XX/XXXX ) a bill for additional testing. I called the company and told them it was a mistake and that I had paid for all of the tests ordered in the office before they were done. XXXX then told me that the tests were " for my health because I really didn't know any better and they were just looking out for me and I should just pay it ''. I then asked for a manager and they said someone would reach out to me soon. I received no call back about the matter and received another invoice XX/XX/XXXX. Again I called and told them the situation, but this time when I asked for a manager I was told that there were none and that they could do any additional testing they felt necessary due to the results of my current labs. They wanted to " look more deeply into my issues for the sake of my health and I needed to contact my physician for the details ''. I called my physician and she had no idea why they would do extra testing. She only needed the ones she ordered. I got another invoice XX/XX/XXXX so I called back and demanded a manager, I was transferred after a two hour wait to someone who said they were in management but would not give me their name. She told me then that they could legally do any test that they wanted and I would be liable for the charges regardless. She also said on my receipt that it states that additional testing might be required and that was my notice. I told her I did not consent to additional test for my health and I am in a perfect state of mind to ok any additional tests. I paid for my tests ordered in office before they were done and that was that. She then informed me that she would send it automatically to my collections. I recently received an invoice from Credit Collection Services and have mailed them a dispute.
Consumer complaint received 2023-01-20
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. (MI)

In accordance with the Fair Credit Report act. The list 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  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 conviction of crimes which antedates the report by more than 7 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 2019-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Issues with Capital One account number ending in XXXX. Received a letter form them stating that they have enrolled me in their Specialty Assistance Program for the next 3 months. Letter was received on XX/XX/2019. Got a call from them on I believe on XXXX the XXXX or XXXX asking if I was going to make my payment. I informed the person on the phone that I can make it now. The payment that I was allow to make was {$50.00} a month due to being in the program. When I told the person on the phone of the amount she said that that was not correct and that I would have to make the standard minimum payment of {$120.00} I told her that I have an agreement and she told me that she doesn't see any letter in the system. I clearly have the letter in my hand and tried to explain it to her. I feel Capital One is not fulfilling their agreement to me and now they are effecting my credit due to the fact they don't have the communication that I clearly have.
Consumer complaint received 2019-07-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION (NJ)

For the record ... Due to a hardship years ago I fell behind my mortgage by 2 months. It remained that way for years. My town taxes went up by {$47.00} Without my knowledge. Which caused my payment to go up. I didn't know it and sent in the normal payment which 2 weeks later was returned to me as a non full payment and a letter stating I'm now 3 months behind and they want to foreclose. Instead of asking me for the extra {$47.00}. Not to mention a week prior they also returned {$150.00} to me from escrow from previous overpayments to them. 

I've offered many times over the years to bring my mortgage to date if they would remove the ridiculous late payment fees from years ago. 

Every time they tell me No they won't and I'd have to redo an entire 30 year modified mortgage with them to do so. 

The lender, Navy federal credit union, has since put all payments into a suspense account. 

Now I've told them for years before this that I would bring the mortgage current if they worked with me to wave some or all of the mounting late fees. I've explained in full detail many times what the hardship I had was and that I am a XXXX XXXX XXXX veteran XXXX campaigns. The very people they claim to go out of their way for. 
They caused this situation and need to fix this situation, with my help.
Consumer complaint received 2018-05-28
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)

There are banks reporting that i owe money and i have never had an account with them such as XXXX XXXX, XXXX XXXX XXXXXXXX and XXXX XXXX. Also there are other banks th as t keep running my credit constantly and bringing my score down i do know aww hat else to do. Its the same facilities when i check it. I even put a flag so it can not be run without authorizations but that does not seem to matter
Consumer complaint received 2022-01-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2022-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The auto sys is unbearable. The XXXX dont do anything & put you back into the sys. They take personal info over & over but no results. Card is lost. No way to close. They have a fidutiary responsibility. I would have just requested new card but based upon how bad the service is, should there be an emergency i wouldnt trust trust them & i want it closed.
Consumer complaint received 2019-11-28
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. (MN)

I purchased two phones from XXXX who is a wholesale retailer for XXXX XXXX. Both phones were returned on XXXX XX/XX/2018 to XXXX and XXXX provided a refund receipt. A refund receipt and credit card refund is attached. The return was within the remorse period by XXXX and honored by XXXX. XXXX was not able to communicate the refund to XXXX communication and they called be about the amount due after many months. I told XXXX that the devices were returned and they need to call their retailer. XXXX made no attempt to reach out to XXXX and so I personally went to the store and asked him to resend the cancellation. XXXX provided a copy of refund receipt. XXXX then sent the amount to the collection and every time I tell collection agency that it has been returned, they sell it to other collection agencies. I reached out to XXXX  to correct the reporting but they reach out to XXXX who keeps confirming. Both XXXX and XXXX are ignoring refund receipt. I have to pay a higher interest rate due to collection and more recently denied credit due to the collection on my report. I have called XXXX but they keep saying that the account is in the collection and they can not open my file. so I am in a vicious loop trying to correct a wrong item on my credit report. I want XXXX to call XXXX  ( phone numbers are there in the attached ) and correct the issue. Also, XXXX  should not report false items when provided proof of payment.
Consumer complaint received 2019-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (TN)

HSBC Bank USA Credit Card Holders Beware I took too long to activate the HSBC credit card and it was placed on a security hold. The problem is that I can't reach the security team to clear up the issue. I requested customer service to cancel my account since the card has never been used, but that also has to go through the " security team. '' I'm placed on hold for 55 minutes, at which point the on hold music goes off and the line is silent. I've continued to hold for 1 hour 45 minutes with dead air before hanging up. I've been trying to reach them on hold every day for over a week, so this is not an isolated event like phone line problems. 

This is unacceptable. I have an open line of credit that I can't use or cancel. What if my card gets stolen or used fraudulently? How can I cancel it or report it to the " security team '' that is apparently non-existent? Hopefully I can cancel the card, but I'll never get back the hours of my life STILL ON HOLD right now.
Consumer complaint received 2019-09-12
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)

Two ( 2 ) applications for credit fraudulently using my name were submitted to TransUnion by : 1 ) XXXX XXXX and 2 ) XXXX XXXX during XX/XX/2019. The person committing the fraud used a 10 year old previous address. I was called by XXXX XXXX as they were suspicious of the old address. I confirmed I did not apply for credit with XXXX XXXX and XXXX XXXX. They told me they would : 1 ) cancel both credit applications, and 2 ) advise TransUnion to remove the inquiries from my Credit Report. I wrote to both TransUnion and XXXX XXXXXXXX formally requesting removal of the hard inquiries twice. They have NOT removed the fraudulent hard credit inquiries.
Consumer complaint received 2022-01-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

Account info Account name XXXX XXXX  Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$12.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$12000.00} Balance updated XX/XX/XXXX Account info Account name XXXX XXXX  XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Status updated XXXX XXXX Balance {$530.00} Balance updated XX/XX/XXXX XXXX  XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance Account info Account name XXXX XXXX XXXX  Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$4700.00} Balance updated XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Account type Note Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. {$3.00}, XXXX written off. 
Status updated XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Closed. 
Status updated XXXX XXXX XXXX {$0.00} XXXX updated XX/XX/XXXX