davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (FL)

Around the beginning of XX/XX/XXXX I received a letter from Commonwealth regarding 3 medical bills dated XX/XX/XXXX in the amount of {$58.00}, XX/XX/XXXX in the amount of {$360.00}, and XX/XX/XXXX in the amount of {$110.00}. As I was unaware I had any existing medical debt and I had no knowledge of what these bills were for ( and still do not as to this day ) I requested Commonwealth send me the original bills and paperwork proving I am financially responsible for these medical bills and that they are even mine, these were from XX/XX/XXXX. Eventually Commonwealth mailed me paperwork, but the paperwork were documents they created. None of the paperwork they provided was original, anyone could have gone on a computer and created these documents. Even at the top it is there letter head. I contacted them and requested additional information as what they provided was what they created and not original bills, in fact their created documents listed insurance but there are no details providing specifically what was paid it was just some random number they created on their documents at the end what I supposedly owe. The credit collection company is refusing to provide me with original documents to show that I am in deed responsible for these so called bills. Again I can't stress enough they created their own documents to send me, nothing is original. I have attached those documents. I would like assistance with having these bills removed from all 3 credit bureaus.
Consumer complaint received 2023-07-25
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: Experian Information Solutions Inc. (TX)

I sent a letter on XX/XX/23 to experian. To remove personal Information that I don't want on my credit report. According to the F.C.R.A. 15 USC 1681 I have the right to privacy. According to F.C.R.A.15 USC 6802 NO financial institution is not allowed to share my personal Information to third party people. These are clear violations of my federally protected rights. I want my rights to be upheld.
Consumer complaint received 2023-10-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PACIFIC PREMIER BANCORP, INC. (WA)

My husband 's mother passed away XX/XX/XXXX leaving an IRA account with Pacific Premier to be shared by her XXXX children. My XXXX  was unable to get to XXXX XXXX, WA to collect his portion. The bank manager told me that the funds would be held for him for up to XXXX years. He passed away XX/XX/XXXX without ever making the trip. I went to the XXXX WA branch on XX/XX/XXXX. I learned that the bank had issued a mandatory annual distribution check on XX/XX/XXXX in the amount of {$3700.00} and that only {$3100.00} was left of his share. I was unable to learn where the check was sent or even if it had been cashed. I'd like to know where the money went and why it was sent at all and the bank has not been able to answer my questions. I spoke to the XXXX at the XXXX branch and also called the XXXX number on XX/XX/XXXX. I was told that someone would get back to me but I haven't heard anything. I would appreciate any assistance that you can provide. 
Thanks.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity.
Consumer complaint received 2023-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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, 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 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 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I submitted a complaint to XXXX, XXXX  and Equifax regarding several errors that I found while looking over my credit report. Under the FTC I can dispute all inaccurate information on my credit reports. Please remove XXXX # XXXX and XXXX XXXX # XXXX from my credit reports as the information provided by the creditors is inaccurate and misleading. After completing a prior investigation, Equifax agreed to remove XXXX # XXXX and XXXX XXXX # XXXX from my credit report. However, Equifax has failed to follow through on its promise as the accounts still remain. XXXX failed to adequately investigate my dispute after verifying these accounts which I know are inaccurate. Please remove XXXX # XXXX from my credit reports as the date of delinquent is misleading and incorrect. Additionally, this account should not have a reported balance. Please remove XXXX XXXX # XXXX from my credit reports. I have reached out to this company repeatedly and have received no response. The balance, date opened and the payment history is incorrect. The company is reporting payment history in XX/XX/2018 but this account should not have a balance. Please remove as soon as possible to avoid further damage to my credit and my reputation with creditors. I know that mistakes happen but it should not happen at my credits expense. Thanks for your time. XXXX XXXX
Consumer complaint received 2023-09-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: DApps Platform, Inc. (MA)

I sent a complaint in XX/XX/2023 ( COMPLAINT ID XXXX ) about the same issue. 
Trust Wallet deliberately lied to an official organisation CFPB ). 
1- I contact Trust Wallet more than one time and they NEVER replied to me. Neither a human nor a robot.

2- I did not grant accs to my account to anyone using a link or malicious application. Otherwise, please provide a proof of it. 

Trust Wallet is or have been victim of a data breach and doesnt report it publicly as they must. 
Trust Wallet is not officially registered in MA where I so they are sure that users can not sue them. 

On their website Trust Wallet describe itself as the most trusted & secure crypto walletand Keep your crypto safe from hackers & scammers. 

I did report Trust Wallet to the FBI, to the Massachusetts Attorney General and other official organization. I have also reached a lawyer for my case. 

I have lost a total of about {$1400.00} for no reason and I am not responsible.
Consumer complaint received 2019-10-09
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: DISCOVER BANK (NC)

On XX/XX/ Discover card took out a bank draft on my checking account for {$100.00} from the XXXX   XXXX XXXX XXXX XXXX. The last time I did a payment over the phone was 18 months prior to this date. I was crystal slear they were never ever to do that again! This is the 2nd time they have done this! The 1st time we worked out now I am determined they need to pay the bounced check fees and the {$100.00} at the very least. Next time I will have to change /close/ reopen checking accounts. Is it possible to tack on a pain in the XXXX fee? How about a fraud fee for them to pay. So far there are 2 checks NSF fees {$24.00}, stop payment fee {$8.00}, {$35.00} returned check fee. I have told them in the past {$940.00} only goes so far as a retiree. I receive {$13.00} EBT. Which means $ XXXX {$50.00} to grocery shop with and food pantries.
Consumer complaint received 2023-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have a co-branded XXXX XXXX issued by Capital One. XXXX uses less than stellar practices when the card is used online for store pickup. When placing your order, they generally get an authorization greater than the amount of purchase when you by weighted goods. I have no problem with that. My problem is that they d not submit the charge under the same authorization number. Instead, upon pickup, they send a second charge for the final amount through. The original authorization often does not fall off for 10 days although the final charge haas cleared the account causing declined transactions. 

This is not a one off but a standard practice according customer service. A charger should be presented on the same authorization thereby zeroing it out. The limit on the card is so low, that I have had my card declined in store a week later due to.n authorization that should have been zeroed out by the purchase however, they let the authorization ride for the 10 days it takes to fill off by the issuers rules. 

XXXX should not have twice as much of your credit line utilized as your purchase I believe that this practice is also illegal. Just this week, I had a XXXX subscription declined with another company because their initial authorization on a cleared transaction not only maxed out my bailable credit but appeared to show show my card over limit. The actual transaction cleared nearly a week before my card was declined, XXXX encourages customers to use curbside pickup as this gives 5 % cash back where in store shopping only gives 1 %. This deceptive and borderline illegal practice must stop. I was offered XXXX for my inconvenience. This does not repair the relationship with the other merchant whose transaction was declined due to XXXX over authorization. 

On more than one occasion I have not been able to use my card for basically the only reason I got it - grocery shopping. 

Further, the issuer should know better than to allow this practice to continue.
Consumer complaint received 2023-04-04
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. (MD)

This is my several attempts to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX MD XXXX XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX Balance : {$570.00}
Consumer complaint received 2023-04-10
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. (IL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXXXXXX XXXX XXXXXXXX Balance : {$4600.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00}.
Consumer complaint received 2023-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX on keeps declining purchases on my co-branded WalMart credit card. They are aware that XXXX is double authorizing purchases instead of sending charges through using the original authorization. For example, I made a purchase on XX/XX/XXXX for XXXX for in store pickup. The amount was authorized at that time. On pick up, XXXX sent through a separate charge for the same amount. Thereby double authorizations causing the card to appear to be authorized over the limit and causing declines on other transactions when there should be more than enough available credit. This has been occurring since the card was issued. Today, XX/XX/XXXX, that authorization is still showing pending on my card although the actual purchase has already cleared on XX/XX/XXXX. 

I have reached out to both XXXX and Capital One in regards to this matter. Capital One admits this is the issue and as the issuer should insure that this illegal practice per XXXX and fair credit practice does not continue but they pass the ball to XXXX. I have reached out to XXXX and they only say We are getting a lot of complaints about this. 

No kidding? They are basically holding an amount against the customers credit limit that they are no entitled to. I dont intend to be authorized double every time I shop with them. Moreover, their rewards program encourages shoppers to use curbside pickup as the rewards for this service is 5 % compared to s paltry 1 % received in store.
Consumer complaint received 2023-05-23
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-04-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OH)

My mother XXXX in XXXX. I called regarding her accounts, explaining the payment might be late. Payment to XXXX 's was one day late. It was paid in full. Each month after, late fees were added, and each month I called asking that the fees be removed and was told they would be removed. I was asked to send a copy of the XXXX certificate which I did on XX/XX/2018. Late fees continue to be added and have reached {$92.00}.
Consumer complaint received 2023-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WESTERN UNION COMPANY, THE (CA)

Over the past 9 months Western Union has refused to allow me to access and transfer funds from my debit account to myself. They have banned me for life with extreme prejudice and without telling me why. 

When I asked them why, they tell me to figure it out for myself and read the Western Union operating procedures and terms. 

They then request pedigree and personal identification documentation which I have provided many times over plus additional. 

Despite my giving Western Union the requested documentation they continue to say we will never let you use our services for life with no explanation. 

In fact, to further punish me, they tell me to figure out the reason myself. I believe to deny me services but request documentation without explanation is a violation of banking law.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

This is a rebuttal to NMACs response to : Complaint # XXXX : I appreciate the extensions that NMAC gave me in the past because COVID-19 was a very trying time for all of us. 

But NMAC proved my point in its response to the complaint : the fourth bullet which says, On XX/XX/, NMAC received a payment of {$1000.00}, which paid the XX/XX/XXXX  payment that was over 30 days past due. If you look at the attachment for XXXX Payment Summary, it shows that XXXX is NOT reported late. XXXX is reported late even though its payment that was paid on XX/XX/, was not over 30 days past due. 

It looks like to me that with the extensions, late fees, etc., in the past, after I paid the account up current, including all late fees, NMAC was just determined to report something late to the credit bureaus, even though the payment should not have been reported late. 

They also indicate in their response that In accordance with the Fair Credit Reporting Act ( FCRA ), NMAC is required to accurately furnish account information and reports on accounts to the credit reporting agencies. Well, XXXX ( over 30 days late ) was not reported late, so they did not furnish accurate account information to the credit reporting agencies. They used XXXX as the scapegoat, and they should not have. 

The credit reporting is in error. It confused me because NMAC said they were reporting XXXX payment more than 30 days past due, but the credit report ( XXXX ) is showing XXXX on time, and flagged XXXX  30 days late. Ive attached a screen-print from XXXX showing this error. 

So due to this error and confusion and since I was under the impression that if I made the payment by the next months due date, it would NOT be reported 30 days late, I would like to request that NMAC make an exception this one time and remove the 30-day late payment altogether. 

Thank You. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Carter-Young, Inc. (GA)

Carter - Young Inc. was informed several months ago that their client was reporting this little XXXX {$53.00} erroneously, Im a service connected XXXX XXXX XXXX Veteran, and Im a Social Security XXXX Beneficiary, Ive Awesome health Coverage, I have XXXX XXXX & the XXXX XXXX XXXX Coverage. Carter-Young Inc client XXXX XXXX never XXXX filed for Secondary Insurer, the XXXX  XXXX XXXX plan was never filed by their Ignorant client, XXXX  XXXX! Instruct Carter-Young Inc, remove this XXXX, and remove it now, Im covered @ 100 %, No XXXX Co-pays, No Co-Insurance & No deductibles period!
Consumer complaint received 2023-08-21
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)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX 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 2019-03-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I have a loan with BANK OF AMERICA, N.A and XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX XXXX, BANK OF AMERICA, N.A and XXXX XXXX with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2017-07-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Glasser and Glasser, PLC (MD)

I had an old debt with a XXXX XXXX Credit Card that was bought by Glasser and Glasser , PLC. I made payment arrangements. I paid what I thought was the full outstanding amount. Unbeknowst to me, I had an outstanding balance of XXXX. Glasser and Glasser filed in the District Court of MD case # XXXX to garnish the full amount on XX/XX/XXXX This amount was garnished by my financial institution : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX MD, XXXX. Glasser and Glasser did not notify me in writing of the intended garnishment. My bank answered the garnishment request on XX/XX/XXXX as recorded by the District Court of MD and sent all necessary paperwork as requested to Glasser and Glasser. I have called on several occasions as well sent multiple emails requesting an order for signature from Glasser and Glasser to release the funds to satisfy this debt. I have gotten nothing but the run around from this company for the last month stating that they do not have the paperwork from my bank. I have included a collections representative from my bank in each email and he as well has reached out to the company providing copies of paperwork sent and requested that anything additional be sent to my bank. The only answer we receive is to call again! This is the contact information : XXXX XXXX ( She is the individual I have spoken to and emailed multiple times ) Senior Account Manager Glasser and Glasser, P.L.C. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XXXX XXXX XXXX XXXX XXXX ( fax ) XXXX XXXX Collections Manager XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX