davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : TRANSWORLD SYS INC/XXXX To Whom It May Concern : I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time XXXXomeowners Buyers program and I saw two incorrectly trade lines for an account from Transworld for XXXX XXXX , both in the amount of {$380.00}. The account status says past due and it should not say that as this debt is not owed. I am requesting both a validation and " verification '' as well as the signed HIPAA release my signature as the item being reported to XXXX by XXXX is a VIOLATION of the HIPAA Act of 1996.

Transworld did NOT provide me a HIPPA release that releases my medical information to them, therefore by Quest providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against Transworld as well as XXXX XXXX should this item not be deleted within t10 business days and until the debt has been validated and verified. Transworld is in direct violation of HIPAA regulations, and they are facing fines up to {$1000.00}, even possible jail time. I am seeking a legal remedy immediately as I have contacted Legal Services to obtain an attorney for free to file suit against Transworld, XXXX XXXX, and all 3 credit bureaus : XXXX, XXXX and XXXX. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from Transworld expeditiously as I have no idea where this debt is coming from and I do not owe this company any money. 

Additionally, I can prove that at the time of service, I was both unemployed and homeless. I completed the financial assistance forms, which should have taken care of any costs associated with my medical care.
Consumer complaint received 2019-07-26
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (KY)

First time they contacted BY E-MAIL was XX/XX/XXXX and the -mail they had contacted me through is one my mother uses that's in my name. I don't know how they even got that one. 

The e-mail had been hacked a month ago and now here it is personal info was on that e-mail
Consumer complaint received 2019-01-25
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. (CA)

XXXX listed multiple 30/60/90/120 day late payment on my credit report from XX/XX/2018 to XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX  and Transunion. Please remove the 30/60/90/120 day late payments from my credit reports.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I have been experiencing identity theft with bank accounts with XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX. I have managed to successfully close the accounts opened but I need to have mailings or correspondents ceased from wrong addresses or previous addresses. 
I have already filed my identity theft report with the FTC.
Consumer complaint received 2022-05-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP (PA)

I XXXX am making this report in good faith and prays for the assistance from the CFPB. 
Kimball , Tirey & St. John LLP. is in violation of 40 of the FDCPA Laws as you can see in Exhibit A, B, C, D, E, F, G and H. 
I sent Kimball , Tirey & St. John LLP. As well as XXXX XXXX a debt validation letter on XX/XX/2022. 
Kimball , Tirey & St. John LLP. As well as XXXX XXXX failed to validate a debt at my request, which is a FDCPA violation and continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Also, as you can see in Exhibit I and J the amount is reporting is different from Exhibit A & B. They are also reporting different to each credit bureau which are Violations of the FCRA. By doing so and by reporting this debt to the credit bureaus it is causing damage to my character and that is Harassment under 15 USC 1692d ( 1 ) Pursuant to 15 USC 1692k - Civil liability, 15 USC 1692k ( a ) ( 1 ) and 15 USC 1692k ( 2 ) ( a ). I want remedy by paying the invoice included of {$40000.00} and immediate Deletion from all consumer reports for my Federally protected consumer rights. please investigate this matter and help me from further harassment. 
Thank you, XXXX XXXX
Consumer complaint received 2022-03-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Heartland Resolution Group, LLC (IL)

The debt is OVER 7 ( SEVEN YEARS OLD ) therefore they can not collect on something that was back on XX/XX/2013 with the original creditor XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-11-19
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: FORD MOTOR CREDIT CO. (OH)

I scheduled my payment of {$560.00} to have it taken out on XX/XX/XXXX when I got paid, it was apparently never scheduled for the correct day, it got scheduled for XX/XX/19 which was the next payment due, no idea why this would have happened when I scheduled it for that day online XX/XX/19. It never came out of my account. I waited for about 3-4 days when checking back. I checked back online to see what the problem was and could not get logged in for whatever reason to check it. So I called Ford Credit and they told me that they apologized but there was a system upgrade and I would have to try and re-log into my account using my email instead of my user name. Had this been told to me I in writing via email or by mail I would have had some knowledge of what was going on and been able to correct this right away instead of getting a late fee. No one from Ford has even called me to let me know anything and now I am being subjected to a late charge for something I had no control over. I am a good paying customer and have been a good customer for quite a while now. I do not think that its fair that I am penalized for something I was not able to control. I am very upset about this and filing a complaint to get this corrected. I asked for the late fee to be waived and was told that I needed to go online using my email address to log in, make the payment and then the late fee can be discussed. I feel its not my fault in this circumstance since I was not able to log in and when I called no one would take my payment over the phone, that is just not fair to the consumer and I wish to have someone of authority take a look at this and contact me.
Consumer complaint received 2022-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (FL)

i have been banking with Chime since XX/XX/2020. I have had no issues with direct deposit or any other matters until XX/XX/XXXX XXXX i got an email at XXXX from Chime Member Services stating there was a request to update the email address and phone number associated with my account and the email clearly stated that if I didn't make this request to contact Chime Member Services immediately. I did so, I spoke to a woman and after she asked me questions to verify my account, i told her about the emails I received. I stated that I did not make any request to update my account because I have had it for close to two years. She made notations on the account and forwarded the request to the Support Team. She assured me that my account would be safe. Two hours later, I received an email and a text message stating that the account had been updated to a non existing email address and phone number. I was locked out of the account. There was two unauthorized transaction made totaling {$310.00}. I filed a dispute and was told there would be an investigation and if they hadn't come to final decision in ten business days, I would receive a provisional credit to my account. This was scheduled to be credited to my account on XX/XX/XXXX. I received an email on Sunday XX/XX/XXXX from the Dispute Team stating that they had completed the investigation and they found no errors and I would not be entitled to the provisional credit. On XX/XX/XXXX, someone was allowed to update the account a second time. Fortunately, no founds were taken but my account was suspended to two occasions and I had to submit photos of me holding my drivers license with a piece of paper with my full name, the date and the email address I wanted to update the account to. i was told my several supervisors that the person that hacked my account did not submit any documentation to update the account. I questioned them consistently asking why I had to send photos to update my account and the person who hacked my account didn't. I consistently got the run around, They have cause me a tremendous amount of stress and I feel I should be compensated for the unauthorized transactions that occurred in Nevada as I live in Florida. I have filed a police report and awaiting it delivery. There has been several conversations with the Dispute Team and Members Services and no one will give me an explanation as to why the decision to not refund my loss was provided.
Consumer complaint received 2021-11-12
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. (NV)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2021-11-12
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: EQUIFAX, INC. (NV)

Pursuant 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries included as a attachment in this complaint
Consumer complaint received 2022-05-18
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)

I XXXX XXXX, recently reviewed my consumer report and noticed inquiries which I did not consent to, authorize, nor benefit from being reported on my Transunion consumer report. I submitted an identity theft report to the FTC on XX/XX/2022 and have mailed the FTC report to Transunion, instructing them to block and remove these inquiries from my consumer report, which they received on XX/XX/2022. On XX/XX/XXXX and XXXX 2022, I called Transunion asking them to remove the inquiries since they have received the FTC report and I was told they had not received it on both calls. I gave them more time to register the report into their system and remove the fraudulent inquiries being reported, but they only removed one inquiry, which does not result in a solution. I demand that they block and remove the remaining inquiries on my report.
Consumer complaint received 2022-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (MS)

I was 100 % discriminated against and the law was BROKEN!!! 

On XX/XX/2022 I used my credit card as defined under 15 us 1602 ( a ) ( I ) to extend myself credit through your company and I was denied. On XX/XX/2022 I received an adverse action email from your company attempting to explain why I was denied. This was clear as day an act of discrimination pursuant to 15 usc 1691 ( a ) ( 3 ). I in good faith exercised my right to extend credit as a consumer, and a creditor and I was denied for NO specific reason. You also violated federal law and you will be held civilly and criminally liable because you violated 15 usc 1602 ( a ) ( p ) you used my credit card with no apparent authority, and I the cardholder and consumer received no benefit. You are now civilly and criminally liable under : 1.15 Usc 1611 2.15 US 1640 3.15 usc 1691e I am appalled at these laws being broken by a company with the reputation that you have!
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (DE)

These inaccuracies on my credit report need to be removed and blocked from my credit file soon as possible I can not obtain any credit in my names because of this problem please have high concern of this manner it is effecting my financial life thank you EQUIFAX!
Consumer complaint received 2021-11-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

I am XXXX XXXX and I am submitting this complaint myself and there is no third-party involved. 

I XXXX XXXX, consumer, natural person and original creditor of an open-end credit plan was denied my right of credit by Capital One Bank . 

Capital One Bank ( USA ), N.A. d/b/a Capital One has now denied my right of credit to me, XXXX XXXX, consumer , natural person and original creditor of an open-end credit plan. I was notified of this transgression of my rights, specifically 15 USC 1601 the Truth In Lending Act by Capital One Bank ( USA ), N.A. d/b/a Capital One. on XX/XX/2021 via U.S. mail. Capital One Bank ( USA ), N.A. d/b/a Capital One. is out of regulation and has violated 12 CFR 1002 and has officially discouraged me even though it has been clearly regulated that I am protected from the beginning of an application process to the end of the application process. How is it that Capital One got what they wanted out of the application process but I did not benefit as well? Pursuant to 15 USC 1602 definition of the Truth In Lending Act I as a natural person possessing an open-end credit plan was harmed by Capital One Bank ( USA ) , N.A. d/b/a Capital One. Card Adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to ( {$5000.00} ) Capital One Bank ( USA ), N.A. d/b/a Capital One. is now civilly liable to pay me for the damages and honor my open-end credit plan.
Consumer complaint received 2024-02-16
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. (OH)

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  has violated my rights. Or a list of inquiries : 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 2022-03-29
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. (CA)

In Accordance with the Fair Credit Reporting Act XXXX  Accounts, has violated my rights. 

15 U.S.C 1681 section 602 A. States There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers 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 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

15 U.S. Code 1681c Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.
Consumer complaint received 2021-11-12
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: WELLS FARGO & COMPANY (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company, WELLS FARGO DEALER SVC, is currently showing 30 days late on XXXX, XXXX and XX/XX/2016. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and delete the current status to reflect accurately.
Consumer complaint received 2022-05-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

Since XXXX XXXX I have been having problems with my coinbase account and throughout the correspondence, it has been a really daunting experience since as of XX/XX/XXXX, I am speaking to people in another country who have English barriers and unprofessional. I opened my account up in XXXX with XXXX. In XXXX, I opened up another account with XXXX and I saw while in that account that there was {$100.00} invested but I couldn't do anything with it as it just sat there as a reference to my XXXX account while again, I was using my XXXX account. Since I have corresponded with the company to no avail. I get the feeling that it is a game to them playing with other peoples money and saying things one day and refuting them the next day to tire you out so that you may lose interest in your portfolios. The phone number on my account is : XXXX, as the XXXX is supposed to reveal my information that I uploaded : my identification card, my banking information, and all relevant correspondence their cyber security is not appropriate, as anyone in the news since can steal anytime out of your portfolios and Coinbase says that they are not responsible.
Consumer complaint received 2019-07-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Synovus Bank (TX)

I am a XXXX XXXX permanently XXXX Veteran, living on a fixed income. After completing my service time in XX/XX/XXXX, I have had to have numerous XXXX that have deemed me unable to work. I have had this item that shows as First Progress with a balance reporting of {$190.00} charged off, on my credit report. First Progress is a secured account, that I sent the company {$300.00}. In XXXX of XXXX- I reached out to all and any creditors and made them of an upcoming XXXX   on my XXXX, due to a XXXX  injury in XXXX . I am quite positive that all credit accounts also included the fee of " XXXX insurance ''. However, when the time came- no one knew anything about anything to help me in a situation that I became XXXX from serving our country. I call the number and no one can explain how I owe {$190.00} of my own {$300.00}. The company is actually still mailing me statements showing a credit of {$1.00} on the account. I got nothing telling me a charge off was being placed and the company will not verify anything for me, nor allow me to resolve the issue. I only want to validate a debt and try to find a way to settle it, so that my credit is not tarnished. I was unable to pay anything, waiting for my SS XXXX to kick in but this account would have been paid through collateral of my own funds, as it was a secured account. I dispute through the credit bureau and get nothing. I call and am told nothing.
Consumer complaint received 2015-11-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bryant Bryant & Associates LLC (UT)

The company Bryant and Bryant contacted my wife in an attempt to contact me, but left contact information for me to return my call. The number was XXXX and it was XXXX XXXX. She pointed to a payday loan that I owed through XXXX services, but I have never taken out a payday loan. She was then trying to seek out other information or narrow down who I was, but I gave out no info. This was a very fishy sounding call and resulted in nothing that I know of.
Consumer complaint received 2022-03-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (FL)

Reference : XXXX XXXX On multiple occasions, I reported to Sun Trust XXXX now Truist ) that there were some inaccuracies with the above detailed loan that must be corrected at once. 

Firstly, the originating loan amount was {$23000.00} at an interest rate of 4.75 % for 72 months, that entails monthly payments of {$370.00}, please correct an apply the right amount which is not the current {$370.00}. I do not have to pay XXXX cents more monthly because the correct amount is {$370.00}. 

Secondly, due to the pandemic the bank offered us forbearance of 6 months. During those XXXX months from XXXX until XX/XX/XXXX, the total interest was {$530.00}. When I resumed my payments in XXXX, Sun Trust held XXXX full months, XXXX and XXXX as interests only which is also incorrect. If you check the statement received from Sun Trust {$750.00} were applied as interests paid, nothing was applied to principal, when it should have been applied {$530.00} which is the correct interests for 6 months. With the profitable assistance for the bank, I want to know the exact amount of how much I would end paying in interests if I keep the loan for the entire 72 months. 

Since XX/XX/XXXX as of today, I have made XXXX payments and the remaining principal should be {$17000.00} not {$18000.00}. 

For all the above, there is a discrepancy of {$740.00} that MUST BE CORRECTED AT ONCE and proceed to apply the correct monthly payments for {$370.00}. XXXX. 

The attached letter was sent before proceeding with the XXXX payment, and the response received from Truist was utterly unprofessional and pathetic, and never responded these XXXX specific issues just stated the interest paid in XXXX for {$1100.00} and that information is also incorrect, I paid {$1200.00} in XXXX. 

Sincerely yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX