davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-12
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On my Transunion report my 13 Student Loans between XXXX XXXX XXXX College and XXXX XXXX XXXX XXXX College were Transfered to XXXX from XXXX. I consolidated my XXXX loans to XXXX XXXX. Transunion had them as being collection accounts with a XXXX balance. I contacted XXXX who said they were never collections accounts and should be marked paid in full. A notice was sent that the dispute investigation was finished and they were marked collections/paid. I disputed that after calling and letting XXXX know. Transunion said they made their investigation and they were still collection accounts. This is untrue. They are not and never were collections. Transunion then told me they would only be on my credit report til XX/XX/XXXX, that is when 7 years was up so I should not worry about it. The XXXX loans are showing 120 days past due and they should be closed. Not only that but they were rehabilitated, but into general forbearance, and had hardship deference on them. All those actions should have taken any past due balance away. I can not reach an XXXX  customer service rep and the only note in all now 26 of these loans on my reports says dispute investigated, consumer not satisfied. This is not how I was counseled during student loan counseling this would work and XXXX/XXXX never told me the transfer to XXXX. I am tired of fighting these loans.
Consumer complaint received 2023-08-24
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Collection Systems, Inc. (CA)

National Credit Management placed an account on my credit in which is not mine or a result of identity theft. I have never done business with this company and this is not my debt. It shows the original debtor as XXXX XXXX University which I have never attended. I have reached out to the original Creditor and they said they do not have me as ever being a student. National Credit Management is fraudulently trying to collect a debt that I dont owe. It shows on my credit I opened the account in XX/XX/2023 which is fabricated and untrue. This is something made up. I will be sending the original creditor a request for debt validation.
Consumer complaint received 2019-02-12
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Affiliated Collection Services, LLC (NJ)

dear CFPB : This is in regards of a collection agency that keeps calling me and also they wrote me a letter dated, XX/XX/XXXX and my Answer to them was a letter dated, XX/XX/XXXX. on or before the 30 days as per Federal Laws dictate I was in the Hospital on : XX/XX/XXXX, until XX/XX/XXXX. ( 3 dais ) The collection agency is asking me to pay XXXX.. MEDICARE my insurance Company already PAID the Hospital over {$38.00}, over my staying in the hospital and also my 2 times in the Emergency Room. MEDICARE PAID THE HOSPITAL ALREADY. I request as per State and Federal Laws to please to ask the collection Agency NOT to CALL ME any more. Also Not to Threat me any more and not to Harras me any more. Again the Hospital was paid in full bye MEDICARE. My 3 days inside the Hospital and my 2 Times in the Hospital Emergency Room. I request to please to the collection company not to communicate with me at all. If They have any questions or concerns They can get in touch with my Lawyer. Thank you for your anticipated courtesy and cooperation in this important matter. Respectfully yours..

XXXX ...
Consumer complaint received 2019-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (IL)

My Fidelity credit card was closed because, as Elan claimed, they sent me a letter asking for information and I did not respond. I never received that letter. As a result, they closed my account and forfeited all rewords points. 

I have contacted Elan and they are not willing to re-open the card or re-issue my points. Given that this card was marketed by and named " Fidelity '', I believe Fidelity needs to act on it.
Consumer complaint received 2019-02-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

see attached. 

This homeowner purchased this home in XX/XX/2001. The home has been in forclosure. on what appears to be on a yearly bases. There is documentation on this home that this consumer has its to large to forward by this process. 

Consumer has Proof of Claims on the property.
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DE)

My Credit History with XXXX and Experian have been noted with inaccurate information which both companies after hours of communication and attorney letters refuse to correct and fail to protect the US consumer as all parties have either closed the debt complaint and or agreed it was fraudulent charges made by stolen information.
Consumer complaint received 2019-02-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK (FL)

My daughter and I were purchasing a house. On XX/XX/2018, the closing attorney requested a wire transfer in the amount of {$28000.00} for the down payment. We went to our local XXXX XXXX branch. At the time we were negotiating the wire transfer, my daughter presented a new set of instructions she had received. The bank associate executed the wire transfer without verifying the information. Within two hours we became aware that it was a fraudulent set of instructions. We immediately went to the branch and were told there was nothing they could do to stop the transfer. They would report it to the Fraud Department. A week later the XXXX XXXX Fraud Dept. called for details. In the mean time, we reported the fraud to the FBI and the XXXX XXXX Police. A detective at the Police Department called a contact at the Discover Bank and immediately got the account frozen. At that time there was still approx. {$21000.00} in the account. It has now been 10 months and I can not get the Discover Bank to give me my money back. I call XXXX XXXX and they say Discover Bank has not sent them anything. I called Discover Bank and they won't talk to me, so I got the closing attorney to call and they told him we have to go through XXXX XXXX. Why can't I get my money returned.
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (MD)

I have multiple student loans that were provided by XXXX XXXX XXXX. However, last year these accounts were consolidated through another loan servicer and should reflect as such. When I pulled my current 3 bureau credit report I noticed there were many late payment alerts that flagged to my account based on the loans. They accounts ranges dates from XX/XX/XXXX-XX/XX/XXXX. I was in school from XX/XX/XXXX-XX/XX/XXXX. I am not sure why these late statuses were reported but I would like to get them removed from my credit report on all XXXX XXXX Accounts to ensure it is not effecting my credit score. I would like to also request to remove the account if there is no longer any balances on the accounts. 
I will submit a dispute as well from the credit bureaus side.
Consumer complaint received 2019-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (MD)

On XX/XX/2019, I attempted to cash out {$32.00} from a XXXX XXXX account I had set up. After entering my PIN number I was prompted to identify my bank. I felt this was unusual so I started the process again. After several attempts I XXXX   XXXX XXXX Customer Service and a XXXX XXXX number came up as a customer service number for XXXX XXXX. After speaking to the individual, we engaged in a series of questions involving the credential of my account. The individual indicated that he would have to access my phone to see what I was seeing. Once this took place and I entered my PIN a series of transactions begin to hit my PNC account and within two minutes I was receiving calls from PNC and my checking and savings account had a XXXX balance. I continued on the phone with this person for another 30 minutes as he assured me these were random test amounts. I walked to the closed PNC during this phone call which was located on the corner of XXXX and XXXX XXXX, XXXX. Washington DC. A bank customer service rep took the phone and immediately detected it was fraud and discontinued the call. She also noted my account of the call. A fraud report was issued with the bank. XXXX XXXX did not respond to any emails sent to the company by me and informed the bank that I did have a XXXX XXXX. Needless the say the bank informed me on XX/XX/2019 their investigation found the charges valid and debited my account {$1200.00}. This is the amount removed from my account. Their response was due to the fact XXXX XXXX confirmed I had an account.
Consumer complaint received 2019-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am a XXXX year old XXXX individual receiving social security XXXX. I attempted to take advantage of a program within Medicare/XXXX  called XXXX XXXX that allows individuals to attend health centers free of charge from my health insurance. The facility called XXXX XXXX  is located in XXXX XXXX, Florida. 

While signing up for for XXXX XXXX  one of the managers offered me to join a separate fitness program that would help with my XXXX in my XXXX and XXXX. The plan consisted eight sessions a month for a hour a session totaling eight sessions a month which would cost {$150.00} per month. He also said that it wasn't contract and i could stop whenever i wanted. So i decided to sign up thinking that If i didn't see any meaningful progress I could just stop. 

After giving him my Capital one credit card and swipped it he then informed me I was responsible for three months of sessions at {$150.00} per month. I protested and that he said the program was not a contract and I could stop anytime. He refused to cancelled the fraudulent agreement. 

Immediaately I called Capital one to cancel the credit card payment.The representative at Capital one asked me if the contract agreement say that I had thirty days to cancel. I read the agreement it did state that i had thirty days to cancel.. The Capital one rep. said there was nothing else I needed to do but just wait for my credit care to be credit back the $ XXXX.About a later Capital one sent me a letter swhich i have in my possession, saying the 1 {$150.00} was credited bak to my card. 

About a month later Capital one sent me another notice stating the {$150.00} was reapplied back to the merchant an an additional {$300.00} would be credited to the merchant because, " the merchant provided other information that ruled in the merchants favor., When I asked Capital one to provide me with the " other information '' they tell me anything concrete and I was referred to to an 17 page  document they sent me telling me nothing. 

I feel I am a victim of deception, misrepresentation, and fraud by both Capital one ad XXXX XXXX. As a remedy I want Capital one to credit my account back the {$450.00} they are charging me. 

If any other documentation proving my case is required I can mail or fax you the documents as soon as possible ... .. 

.
Consumer complaint received 2019-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

It is extremely hard to contact a human being with trans union and when I do have to be extremely XXXX   to get anything moving. Reported wrong or false employer. I have worked for the same company for some time now and am absolutely XXXX  with all the false reporting that has been tied to my social security number in the past couple years. It needs to be fixed before I need to apply for anything else. I need it removed immediately or I will have to go after trans union for fair credit reporting act. Thanks guys. XXXX.
Consumer complaint received 2023-08-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I renewed my CD XXXX XXXX XXXX XXXX over the telephone on XX/XX/XXXX. 

This was to Bank of America, I spoke with XXXX. 
I was told the CD would be sent to me to arrive in 7 -10 days. 

XXXX XXXX called on XX/XX/XXXX and spoke with XXXX He said i would get the CD for sure - conf # XXXX. 

What I got a few days later was an envelope stuffed with booklets about how BoA handles my account, etc. But no CD - the very thing I asked for. 

Every other bank has no problem with sending a copy of a CD- why won't BoA do it. 

Please help me get a copy of my renewed CD. Thank you.
Consumer complaint received 2022-08-19
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Date Opened : XX/XX/2021 Balance : {$390.00}.
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

on XX/XX/2020 at XXXX XXXX  ET, I have called Experian dispute center after I found some address listed to a credit report that does not belong to me, I've spoken to XXXX from the dispute DPT after she verifies my information, I told her about the wrong personal information has been listed to my credit report ( the address that I never lived in ) her answer was " sir you have to contact the creditors who reported that info to us " I don't know even who reported this info, to begin with, and she refused to take my complaint about the incorrect personal information. 
according to the Fair Credit Reporting Act, XXXX from Experian dispute DPT acted against the law please help to correct this unlawful act from Experian
Consumer complaint received 2024-02-09
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: Experian Information Solutions Inc. (GA)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX  XXXX XXXX Balance Owed : {$3500.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXXXXXX Balance Owed : {$22000.00}
Consumer complaint received 2023-01-11
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: CAPITAL ONE FINANCIAL CORPORATION (NE)

Inquiry on all three credit reports from Capital One on XX/XX/XXXX that I did not make. Per the instructions from Capital One, I sent a letter, along with my personal information, and copies of my credit report. I received a letter on XX/XX/XXXX that states they didn't receive my information. The only way Capital One would have known to send me a letter is if they received my letter first. I called Capital One and they acknowledged they opened a case but didn't receive my information. I explained that the only way they would have opened a case is if I contacted them first. They refused to help any further other than requiring me to send in my information again ( which I reluctantly did ). In addition, my credit is frozen due to an unauthorized inquiry made in XXXX of last year. Notes on my credit reports state this, and also state to call me to confirm my identify. Capital one did not reach out to confirm my identity. They also did not open an account as far as I'm aware. They should have proactively removed the inquiry from my report due to it being unauthorized. 

Attached is a copy of the letter from Capital One, along with the second letter I sent to them and all other supporting documentation.
Consumer complaint received 2022-08-19
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: Experian Information Solutions Inc. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Consumer complaint received 2023-02-24
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. (MS)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX  ) Late Payment reported on XX/XX/XXXX. 
Account # XXXX ( XXXX XXXX XXXX XXXX ) reported on XX/XX/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 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 2018-03-22
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AES/PHEAA (PA)

I registered for XXXX XXXX XX/XX/XXXX. Classes began XX/XX/XXXX. I withdrew in writing XX/XX/XXXX. XXXX XXXX XXXX, Director of Student Accounts was supposed to return all money sent to the school on my behalf. The enrollment application was fraudulently executed. The application needed all signatures. If any were lacking, the agreement would not be binding. The Administrative Official did not sign. The Department of Education and XXXX XXXX should not have sent money to XXXX XXXX. They should have noticed that oversight. The address for XXXX is XXXX XXXX XXXX, XXXX, Pa XXXX. My major was XXXX XXXX. I have received letters for ten ( 10 ) years. I have written Senator XXXX, loan officers via certified mail, XXXX XXXX. I sent a certified letter XX/XX/XXXX requesting all collection efforts to cease. My information was returned and denied. According to my documents the balance is XXXX.  Everything is ignored. I have kept all documents from this school and loan companies and cards from the certified letters. My social security number was on many of the forms, violating HIPPA. I want my record restored and negative information removed from the credit agencies. XXXX XXXX is sending letters. They were sent certified letters XX/XX/XXXX.
Consumer complaint received 2016-07-27
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Med-1 Solutions, LLC (FL)

I get calls at least once a day and sometimes twice about my son owing for a medical bill, they just called now again twice within XXXX minutes. Their number is XXXX, must be a collection agency and I consider this harassment for so many calls, why ca n't they send mail with their requests
Consumer complaint received 2022-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Consumer complaint received 2019-02-12
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: Experian Information Solutions Inc. (MO)

These are inquiries that I don't recognize : XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX.