davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

So on XX/XX/2021 XXXX XXXX transferred {$5000.00} out of my checking account would think of America it was an ACH transfer they said it would take 45 days it's been 45 days all I've been given his story after story that they've lost my claim that they found it that it's pending and I still have not received the funds back into my account I'm not received any letters there's been complaints on my account I'm not received any response to any complaints that the representatives have madeit just seems like they don't want to reimburse me my {$5000.00} and I am getting no help at all.
Consumer complaint received 2020-02-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC (NY)

This company keeps calling and calling and hanging up. At least 5-6 times a week. I called back TWICE and told them I wanted information on their business and just exactly what they are trying to " Collect ''. They became very rude, one woman hung up. I told her I want verification of any debt, including the creditor that is trying to collect sent to me via US Mail. They have refused for the past two plus months. I asked them to stop calling, but they have ignored me, This is becoming harassment. They are in violation of the FDCPA law.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (LA)

XX/XX/XXXX XXXX XXXX XXXX sent delinquent letter saying i purchase automobile thats 3 months delinquent i told him i never purchase an automobile i have a perfectly running XXXX XXXX the man said he will send me fraud papers over XXXX XXXX heard no more i call several other times to be talked down to and say i signed a buyers order i could never get this straight with the company so i was force to do a chapter XXXX when i went to court i ask my lawyer why i could not tell the judge about the car from XXXX XXXX XXXX and he told me the judge wasnt interested in the formality of the bill i found out this was on my credit report when i try to buy a car XX/XX/XXXX when state farm total my XXXX after hurricane this start me to clear this so i can buy me a car the company keep saying i purchase a car thru that company XXXX and XXXX XXXX did fraud with my information
Consumer complaint received 2020-02-18
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)

XXXX, XXXX, and EXPERIAN permits the debt collector XXXX XXXX XXXX to report derogatory medical collections bills on complainants credit reports. The complainant is presently applying for a mortgage loan modification in which may be adversely affected because of these inaccurate reportings since at the end of the day the Affordable Care Act contained a mandatory health insurance requirement that compels healthcare providers to provide adequate information about enrolling in a health insurance plan such as XXXX in order to give the physician informed consent.
Consumer complaint received 2020-02-18
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)

XXXX, EQUIFAX, and XXXX  permits the debt collector XXXX XXXX XXXX to report derogatory medical collections bills on complainants credit reports. The complainant is presently applying for a mortgage loan modification in which may be adversely affected because of these inaccurate reportings since at the end of the day the Affordable Care Act contained a mandatory health insurance requirement that compels healthcare providers to provide adequate information about enrolling in a health insurance plan such as XXXX in order to give the physician informed consent.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (LA)

XX/XX/XXXX XXXX XXXX XXXX sent delinquent letter saying i purchase automobile thats 3 months delinquent i told him i never purchase an automobile i have a perfectly running XXXX XXXX the man said he will send me fraud papers over XXXX XXXX heard no more i call several other times to be talked down to and say i signed a buyers order i could never get this straight with the company so i was force to do a chapter XXXX when i went to court i ask my lawyer why i could not tell the judge about the car from XXXX XXXX XXXX and he told me the judge wasnt interested in the formality of the bill i found out this was on my credit report when i try to buy a car XX/XX/XXXX when state farm total my XXXX after hurricane this start me to clear this so i can buy me a car the company keep saying i purchase a car thru that company XXXX and XXXX XXXX  did fraud with my information
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XX/XX/XXXX XXXX XXXX XXXX sent delinquent letter saying i purchase automobile thats 3 months delinquent i told him i never purchase an automobile i have a perfectly running XXXX XXXX the man said he will send me fraud papers over nite inever heard no more i call several other times to be talked down to and say i signed a buyers order i could never get this straight with the company so i was force to do a chapter XXXX when i went to court i ask my lawyer why i could not tell the judge about the car from XXXX XXXX XXXX  and he told me the judge wasnt interested in the formality of the bill i found out this was on my credit report when i try to buy a car XX/XX/XXXX when state farm total my XXXX after hurricane this start me to clear this so i can buy me a car the company keep saying i purchase a car thru that company XXXX and XXXX XXXX did fraud with my information
Consumer complaint received 2020-02-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ZARVAD III S.A. (NM)

I opened an account on XX/XX/XXXX in the amount of {$1200.00}. I have been paying {$360.00} per pay period. A total of {$1400.00} I checked my account on XX/XX/XXXX and I owe {$1500.00} I asked them what happen and they said i was renewing my loan of {$1200.00} every pay period so the {$360.00} was just the renewal fee. They charge {$30.00} per every {$100.00} They would not accept the {$1200.00} as final payment today as they want the full {$1500.00} even though my payment isnt due again until XX/XX/XXXX
Consumer complaint received 2020-02-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Williams & Fudge, Inc (NM)

On Tuesday XX/XX/2020 at approximately XXXX XXXX, XXXX XXXX, and XXXX XXXX I had three missed calls from a company trying to collect a debt. I called back asking who was calling because I did not know who it was. The lady stated her name was XXXX from Williams and Fudge and a debt collector trying to collect a debt. Asked if I was the person on the account, and again asked who I was speaking to and she proceeded to tell me she was trying to collect a debt for a client and proceeded to tell me about this debt without confirming who I was. I said that Ive spoken to someone about it and I couldnt make a payment plan at the moment because I was in a financial rut at the moment. She asked how long Ive been in this rut and I said a few months. She started to raise her voice and become really rude with me at this point. She said that its been over a year that i owed this debt and said that I owed over {$6000.00} dollars for this debt ( that was not the right amount ) and I needed to pay it. I said that I couldnt at the moment. She then asked if I knew that this is on my credit and if I knew that its going to impact my credit score. I told her yes I know but I still cant. She asked if I filed my taxes, and I asked her why she needed to know and she raised her voice more and said that she had a right to know and if I was refusing to state this information over a recorded line, I said yes I am refusing plus its already going to be taken. She asked from who? I said that it was not any of her business! She then asked if I was going to get a second job to pay this debt. I finally told her that I would not like to speak with her regarding my debt and she should not call my phone.
Consumer complaint received 2017-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (VA)

I have an XXXX XXXX Platinum card, and received an offer whereby I would receive XXXX XXXX XXXX for each person I referred for the same card upon them being approved. I referred my wife back in XXXX and she was approved instantly, but I have not received my XXXX points that were promised. The terms of the offer say it could take up to 10 weeks, but we are well past that now. I wrote to AMEX, and they said they would look into it, and the problem should be solved upon the next statement closing. My next statement has now closed, and I still have not received the XXXX referral bonus points. I would like the points deposited into my account as soon as possible.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-11-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/21 I executed an international wire transfer for {$18000.00} which debited my account on XX/XX/21. The wire did not go thru do to a recipient XXXX mismatch, & was held at the foreign bank. XXXX advised me to cancel the wire, which I did on XXXX. I instructed the XXXX bank to return the funds, which they did on XX/XX/21. The funds, however, were never credited back to my account. I reached out to XXXX in person at the branch, via correspondence using their secure messenging system, & made countless phone calls to their customer service department. Despite all of these efforts, XXXX has not even provided the status of the situation & I have no clue when & if I will get my funds back.
Consumer complaint received 2021-11-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivable Management Group, Inc. (GA) (FL)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately. 
RECEIVABLE MGMT GROUP ( XXXX : XXXX XXXX XXXX XXXX XXXX ) ***** Opened XXXX XXXXXXXX XXXX  Balance {$330.00} RECEIVABLE MGMT GROUP ( XXXX : XXXX XXXX OF XXXX XXXX ) ***** Opened XXXX. XXXXXXXX XXXX XXXX {$1200.00}
Consumer complaint received 2021-11-17
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: DISCOVER BANK (TX)

My name is XXXX XXXX XXXX and I am filing this complaint against XXXX on my own behalf, as a Natural Person and Federally Protected Consumer, without any connection or involvement with a third party. 

I sent a validation of debt letter as well as a cease and desist to Discover Financial Services which they received on XX/XX/2021. Their response failed to meet my demands. I requested if their information did not meet my demands, to remove the balance from the account. They have not done that. I have filed an identity theft report stating that they assumed my identity as the original creditor as defined per XXXX XXXX XXXX ( g ) I have attached several documents that show what I have done and their response, as well as the identity theft report. I have also attached my passport to show I am reporting this claim myself and not a third party.
Consumer complaint received 2020-02-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MD)

On XX/XX/XXXX I received a collection notice from Convergent Outsourcing, Inc. for a bill for XXXX. 

Per response sent via certified return receipt ( attached ) delivered to Convergent Outsourcing, Inc. on XX/XX/XXXX, the account was disputed and proven as fraud in XX/XX/XXXX/XX/XX/XXXX via the CFPB. 

That XXXX has sold, once again, the previously proven fraudulent account to Convergent Outsourcing, Inc. violates Federal FDCPA and State of Maryland laws governing collection accounts. 

I am cc : ing this complaint to the Maryland Attorney 's Generals Office of Consumer Protection and the FTC. 

The account is fraud and was proven as fraud therefore you, Convergent Outsourcing, Inc., are in violation of Federal and State laws attempting to collect it.
Consumer complaint received 2020-02-18
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. (CA)

Complainant is presently applying for a mortgage loan modification. XXXX XXXX XXXX  acting as a debt collector on behalf of XXXX XXXX XXXX XXXX attempts to collect invalid putative medical debts. A patient has a right to information necessary to provide her healthcare provider with informed consent regarding treatment. The information a healthcare provider has provided to a patient must include information regarding the availability of state sponsored health insurance for those without necessary coverage including such programs as Children 's Health Insurance Program ( CHIP ) that provides no-cost or low-cost health coverage for eligible children in California and would provide the patient with a decision-making option of whether to obtain this coverage or allow a medical collections bill damage the patients credit standing.
Consumer complaint received 2020-02-18
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)

Complainant is presently applying for a mortgage loan modification. XXXX XXXX XXXX  acting as a debt collector on behalf of XXXX XXXX XXXX XXXX attempts to collect invalid putative medical debts. A patient has a right to information necessary to provide her healthcare provider with informed consent regarding treatment. The information a healthcare provider has provided to a patient must include information regarding the availability of state sponsored health insurance for those without necessary coverage including such programs as Children 's Health Insurance Program ( CHIP ) that provides no-cost or low-cost health coverage for eligible children in California and would provide the patient with a decision-making option of whether to obtain this coverage or allow a medical collections bill damage the patients credit standing.
Consumer complaint received 2022-12-16
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)

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 XXXXXXXX Account # XXXX, has violated my right to privacy. 
XXXX Account # XXXX, has violated my right to privacy. 
XXXX XXXX XXXX Account # XXXX, has violated my right to privacy. 
XXXX XXXX XXXX Account # XXXX, has violated my right to privacy. 
XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, has violated my right to privacy. 
XXXXXXXX XXXX XXXX XXXX  Account # XXXX, has violated my right to privacy. 
XXXX XXXX XXXXXXXX XXXX Account # XXXX, has violated my right to privacy. 
XXXXXXXX XXXX XXXX  Account # XXXX, has violated my right to privacy. 
XXXX XXXXXXXX XXXX  Account # XXXX, has violated my right to privacy. 
US Dept Of EducationXXXX Account XXXX XXXX, has violated my right to privacy. 
XXXX XXXX Account # XXXX, has violated my right to privacy.

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 2022-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Regional Management Corporation (SC)

On XX/XX/2021 I reviewed a copy of my credit report and noticed two collection accounts XXXX XXXX XXXX XXXX for the amount of {$1500.00} and XXXX for the amount of {$550.00} that does not belong to me. I reached out to the credit bureaus in regards to this matter on both collection accounts and I have not received a response with proof validating this debt. These accounts are hindering me from purchasing my first home and I would like them deleted immediately. I received a letter in the mail from the creditors with e-signatures that I have no knowledge of. Please resolve this matter as soon as possible.
Consumer complaint received 2021-08-24
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: MoneyLion Inc. (OH)

On XX/XX/2021, Money Lion appeared on my credit report showing a balance of {$500.00} for a loan. I have never heard of this company and definitely did not request or receive a loan from them. I called Money Lion on XX/XX/2021 and spoke with XXXX. She took my complaint and told me she would submit it to their fraud dept. i immediately filed a dispute with all three credit bureaus and on XX/XX/2021 I called back and was told they couldnt find a loan in my name. XX/XX/XXXX, I received an email from XXXX stating they would not remove it because its accurate. IT IS NOT ACCURATE, therefore, Im filing a complaint with you.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am writing to file a formal complaint against XXXX  violation of my consumer rights under the fair credit reporting act ( FCRA ). Specifically my complaint is regarding the unauthorized reporting of capital one account number XXXX and the XXXX  card XXXX on my consumer credit report and / or credit file, which I did not consent to nor was I properly notified about. 
This information is not only wrongful but was also reported without my explicit consent or prior notification. This action has significantly and negatively affected my credit score, making it difficult for me to obtain credit and it has caused me undue stress and financial hardship. 
I have previously attempted to resolve this matter, but to no avail the issue was not resolved despite my efforts, the issue remains unresolved, and this information is still present on my credit report. 
I respectfully request the removal of this information from my credit report maintained by XXXX. 
I hope XXXX  takes my complaint serious and rectifies this situation as swiftly as possible. 
I look foward to their response and am hopeful for a favorable resolution. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-02-18
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: CMRE Financial Services, Inc. (CA)

Complainant is presently applying for a mortgage loan modification. CMRE FINANCIAL SERVICES acting as a debt collector on behalf of XXXX XXXX XXXX XXXX attempts to collect invalid putative medical debts. A patient has a right to information necessary to provide her healthcare provider with informed consent regarding treatment. The information a healthcare provider has provided to a patient must include information regarding the availability of state sponsored health insurance for those without necessary coverage including such programs as Children 's Health Insurance Program ( CHIP ) that provides no-cost or low-cost health coverage for eligible children in California and would provide the patient with a decision-making option of whether to obtain this coverage or allow a medical collections bill damage the patients credit standing.