davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (TX)

I have not received any validation documentation from United Revenue Services. I sent a letter requesting this debt be validated and it has not been properly validated. I received a bill on XX/XX/19.A bill is not validation, I'd like to see original documentation with my signature. I am allowed under the Health Insurance Portability and Accountability Act to protect my privacy and medical records from third parties. 
-Please provide breakdown of fees including any collection costs and medical charges. 
-Provide a copy of my signature with the provider of service to release my medical information to you. 
-Cease any credit bureau reporting until the debt has been validated by me.
Consumer complaint received 2018-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (WA)

I am trying to reopen the previous CFPB claim : XXXX Citi resolved the problem last time and corrected their mistake to removed the records from my credit report. But Citi reported the wrong record to credit bureau again. 

This problem has ruined my credit for many years, during which Citi corrected their mistake twice after long-time communications. But Citi reported the mistake for the third time. 

I attached the result and their response last time, and my current credit report. 

I had a Citi credit card in XXXX. Citi charged me an annual fee in XXXX XXXX for the coming year so I closed my account. I was told by Citi that they would remove the fee because I have closed my account. However Citi did not removed the fee and did not sent me any communication and sent the balance to collection agency in XXXX. I started the dispute process in XX/XX/XXXX, and after many many communications, Citi admitted the mistake and agreed to write off the balance. Citi also told me to contact their CBR department to correct the credit report. I faxed the dispute to CBR in XXXX, XXXX. But Citi has not corrected the report up to now. I contacted them again in XX/XX/XXXX after I found out during my mortgage application. Citi is not correcting the error.
Consumer complaint received 2017-07-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (CA)

OnXX/XX/XXXX I was instructed by a representative of XXXX XXXX ( XXXX, XXXX ), XXXX XXXX XXXX in NY, to wire {$65000.00} to the account of XXXX XXXX , XXXX at TD Bank, Florida for the purpose of purchasing a money clearance document, for the alleged {$11.00} Million in cash sent for purchase of raw material / XXXX XXXX that XXXX XXXX, XXXX requested for allegedly use for medical equipment that they produce in XXXX and also have offices in the US ( i.e. XXXX, CA ). From XX/XX/XXXX through XX/XX/XXXX, XXXX XXXX spoke with me on the phone and said that the $ XXXX wire-transfer has not been received and on the XX/XX/XXXX he suggested that I request the funds be returned something was wrong. According to my then bank, XXXX XXXX, onXX/XX/XXXX XXXX XXXX sent me a copy of a communication from TD Bank advising that the subject $ XXXX funds will not be returned ( see copy herewith ) in regards to my case # XXXX. At this point, I strongly suspect that TD Bank was involved with XXXX XXXX , XXXX in defrauding me, and likely others based on XXXX XXXX phone comments to me stating that multiple claims were filed against the XXXX XXXX , XXXX account at TD Bank, some over $ 100K. To date, no detail has been provided, however, I received an email from XXXX XXXX confirming that the account holder is refusing to return the $ XXXX wired funds without any explanation / cause. This is clearly grand theft since no transaction materialized when XXXX XXXX chose to move the cash overseas to the XXXX ( see attached email ) from XXXX XXXX. Additionally and curious, on XX/XX/XXXX I received an email from XXXX XXXX advising me that I would be receiving {$290.00} of the original $ XXXX even though my claim and the subject TD Bank account was allegedly frozen with my fraud claimXX/XX/XXXX.  Clearly, something is wrong at TD Bank offering this {$290.00} token refund that is unacceptable and will not be cashed since received a cashier 's check from XXXX XXXX, not TD Bank as sad by XXXX XXXX to me. Please assist me in recovering all my money since this is clearly grand theft and a scam on me. I greatly appreciated your assistance in recovering my money..
Consumer complaint received 2022-01-12
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: Experian Information Solutions Inc. (GA)

* I understand Experian is not a bureau nor are they backed by any government agency. I am aware that Experian in fact consumer reporting agencies have assumed, not given, a vital role in assembling and evaluating consumer credit and other information on consumers. 

Under these circumstances I am aware of pursuit to the FDCPA & 15 U.S. Code 1681b - Permissible purposes of consumer reports. As A Third party agency Experian must comply with my written instructions. I have given them my written consent to remove multiple fraudulent and misinformed XXXX from my consumer report! Experian has continued to update my report with no proof of proper verification. Also the accounts are exactly the same! I will be contacting the attorney general in regards to the matter as well. There is no way a proper investigation was done within a 5 day time period to receive these results!
Consumer complaint received 2023-01-13
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. (CA)

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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes this erroneous information that needs to be investigated and delete : XXXX XXXX Date Opened : XX/XX/14 Balance : {$26000.00}
Consumer complaint received 2023-07-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: U.S. BANCORP (FL)

My mother passed away in XX/XX/2023 and left me this IRA. An IRA that US Bank will not transfer to XXXX XXXX after many attempts to provide all necessary information and paperwork. Now I am being passed around to others who keep requiring more information. I have settled my mother 's other financial matters with no difficulty. U S Bank won't release the funds. I am a XXXXXXXX XXXX citizen with immediate medical issues and this matter has caused my medical conditions to flair up. I am at a loss as to what to do. My fiancee XXXX had tried to help to no avail. Please get US Bank to settle the large amount of money that belongs to me now. Thank you for your time in settling this financial situation. Regards, XXXX XXXX
Consumer complaint received 2023-07-01
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: BMW Financial Services NA, LLC (TX)

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 U.S.C. 1681 Section 602 that states I have the right to privacy.

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

Under 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-07-01
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: M&T BANK CORPORATION (TX)

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 U.S.C. 1681 Section 602 that states I have the right to privacy.

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

Under 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-13
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: A.R.M. Solutions, Inc. (CA)

I cancelled my subscription to the XXXX XXXX, but did not cancel my automatic subscription payment to the XXXX XXXX, in XXXX of 2022. The newspapers stopped getting delivered, no further charges were made to my XXXX XXXX account which I used to pay my XXXX  subscription, and I received no further communications from the XXXX XXXX so I paid no further attention to the matter. 
On XX/XX/XXXX I received the attached letter from A.R.M. Solutions. I initially thought that it was a scam because I had not been contacted by the XXXX XXXX since I cancelled my subscription. I have never before encountered a billing process that began with sending bills to a collection agency without first contacting the customer directly. It was further puzzling that they had not simply extracted the funds from my XXXX account : I had never shut off the " autopay '' and all they needed to do was to request payment directly from XXXX XXXX, as was done for years. 
I suspect that the change in management since the XXXX XXXX was sold has led to some confusion in their office. Although I did cancel my subscription, and I have received no newspapers in the intervening period, they told me via telephone that all they know was that I had instructed them to no longer charge my XXXX XXXX account for the subscription, which seems rather odd to me, as nothing of the sort was ever discussed. 
I have instructed the XXXX XXXX to charge my XXXX XXXX card for the balance they say I owe, and XXXX informs me that the payment is pending, A.R.M. Solutions insists that I must still pay them, in addition to what I have paid XXXX XXXX. I believe that I should pay neither, although I have already paid the XXXX XXXX for services not rendered. Paying A.R.M. Solutions redundantly would only add insult to injury.
Consumer complaint received 2022-12-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (TX)

I would like to start by saying I've personally never done business with IC SYSTEMS. Ive never heard of the company ever. Im not sure how they have obtain my personal information but they are pursing me heavily regarding an debt owed for what? Im not really sure. It says XXXX XXXX attached with IC SYSTEMS on my credit report .Ive disputed this twice and I recently wrote this company to help me resolve this matter. They responded with an offer to pay half of the debt that was written on the letter sent to me saying I owe them. Ive never done business with this company and I do not owe them any cents of any dollar.
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This compliant is regarding Capital One Credit Card dispute Case # : XXXX Card issuer did not resolve the dispute case for transaction billed in the amount of {$21.00} on XX/XX/2021. Capital One Credit Card is consistely unwilling to asssit with dispute cases.
Consumer complaint received 2023-07-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (CA)

I have had several issues with Venmo regarding their lack of disclosures when making crypto currency exchanges. The first incident was I sold some cryptocurrency after purchasing it from them and my funds were placed on hold for 5 days. I should have been notified prior to the sell that this was going to be a result and given the option to back out of the sell. The next incident, I was not able to transfer out the cryptocurrency that I have purchased through them. I spoke with customer service and they said there was no holds and I kept having to reinstall the app and it finally went through. And the third incident I purchased cryptocurrency again and I went to transfer it out of my wallet and it said that there was XXXX available. I contacted customer service and they said there's a XXXX hold now. Why was I not notified that there was going to be a whole prior to the purchase that way I could back out or at least be aware of the situation? Their lack of communications and disclosures of their business practices is unfair and misleading when they are taking the fees and pocketing the money.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX XXXX is in violation of an law set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history ), between the consumer ( myself ) and the person ( XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, Equifax and XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

On XX/XX/2019, me and my husband placed a credit report freeze online, on my credit files with XXXX & XXXX XXXX. No problem. Equifax did not do it, and asked me to call XXXX. On XX/XX/XXXX, we tried again online. Again their website told me to call. We called and spoke to their call center, sounded like an XXXX girl. She refused and said I had to send in a copy of my social security card and drivers license, to verify my identity. I explained that I was not comfortable with that, and the other credit agencies had no problem. That there was enough information in my credit report to substantiate, who I was. She insisted, and refused. We finally asked for a Supervisor. Took about 7 minutes to get a, Supervisor, an XXXX  girl this time. Refuse, refuse, we did not get anywhere. We even went as far as to give her information on my credit reports from XXXX  & XXXX XXXX, and get this she said she could not see my report. By the way, we also could not get their FREE credit report, without sending documents. So how could she know, I was not who I said I was? Didnt make sense. I asked to file a complaint, and now the system was down, and then she was told, in order to file a complaint, I had to send them the documents they requested. They had us going around in circles. I understand keeping records private, but I was not asking for records, or information. I was asking for a freeze on my credit, because Ive personally seen what identity theft has done to others. Equifax was breached, and they did not tell people, they tried to hide it, and now, they WONT help  you ...
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (IL)

I am currently going through a series of attacks due to XXXX hack and people attempting to open accounts in my name or weird aliases being attached to my social security number and Wells Fargo decided to drop my credit limit even though I make all my payments with them on time since I got the card, this adjustment of my credit line will have severe impact on my credit score and I am sure they are aware of the repercussions Im going to be hit with because of this spending amount decrease which will make me look like I am maxing out my cards and increase my credit risk
Consumer complaint received 2019-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I RECENTLY PULLED A CREDIT REPORT AND NOTICED SEVERAL ITEMS THAT DID NOT BELONG TO ME. THERE WAS A XXXX ACCOUNT(XXXXXXXXX) WITH A BALANCE OF $XXXX, XXXX(XXXXXXXXXXX), XXXX XXXX   (XXXXXXXXXX), A BANKRUPTCY (ref # XXXXsb/COURT: Us bkpt ct ca la),I HAVE NEVER FILED FOR BANKRUPTCY NOT SURE HOW THIS INFORMATION BECAME ATTACHED TO MY FILE BUT IT IS WRONG. THOSE OTHER ITEMS LISTED ARE ON MY REPORT AS A RESULT OF ID THEFT SO I AM ASSUMING THIS BANKRUPTCY IS A PART OF ALL THAT.
Consumer complaint received 2023-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (VA)

As of XX/XX/XXXX, MOHELA increased my total loan balance by {$25000.00} and reopened three paid-in-full loans without any notice or explanation provided. I contacted MOHELA and was told that they could not provide an explanation. 

Prior to XX/XX/XXXX, I had paid in full all of my student loans except for MOHELA Loan # 03 ( Disbursed XX/XX/XXXX ). 

The loans outlined below were all paid off and currently show on StudentAid.gov as Paid in Full, but were reopened by MOHELA and assigned large principal balances : - XXXX XXXX XXXX, Direct Unsubsidized, {$20000.00} Disbursed XX/XX/XXXX & XX/XX/XXXX, MOHELA Loan # 1 : Paid in Full on XX/XX/XXXX MOHELA now shows Loan # 1 with a {$4600.00} balance. 

XXXX XXXX XXXX XXXX Direct Graduate Plus, {$6000.00} Disbursed XX/XX/XXXX, MOHELA Loan # 7 : Paid in Full on XX/XX/XXXX MOHELA now shows Loan # 7 with a {$6000.00} balance. 

- XXXXXXXX XXXX XXXX, Direct Unsubsidized, {$20000.00} Disbursed XX/XX/XXXX & XX/XX/XXXX, MOHELA Loan # 2 : Paid in Full on XX/XX/XXXX MOHELA now shows Loan # 2 with a {$13000.00} balance. 

In addition, MOHELA Loan # 3, Disbursed XX/XX/XXXX was increased from {$13000.00} to {$14000.00}. 

I contacted MOHELA by telephone on XX/XX/XXXX after discovering the discrepancy. Initially, the representative stated that the increase could be due to interest capitalization. However, I responded that that did not make sense to me as some of the loans were disbursed and fully paid during the COVID-19 payment and interest pause. After 40 minutes of waiting, the representative stated that it might be an error and that she would refer it for an " IDQ Update '' so that the full payment history and balance history could be pulled up and reviewed by MOHELA. She was unable to provide any additional information. 

I find this to be utterly unacceptable. I have diligently worked to pay thousands of dollars of student debt back during the COVID-19 interest and payment pause to avoid any interest capitalization at the end of the pause. I am happy to pay whatever balance I legally owe, but I refuse to be billed an additional {$25000.00} with absolutely no notice or accounting for that change. I feel that my legal rights have been severely curtailed in this regard and will be contacting my elected representatives as well as seeking out legal representation if necessary to resolve this issue.
Consumer complaint received 2019-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I paid off my Bank of America car loan in full and as a result they sent me the title. I have proof because they sent me the title. The the loan was not a charge off, the loan was a completed transaction and I want the item deleted from my credit report or corrected to reflect that the account was paid in full and not a charge off, Bank of America is wrong and acting in a fraudulent manner as usual.
Consumer complaint received 2022-10-06
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 fumish a account without my written instructions.

15 U.S.C 1666b A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.