davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlanticus Services Corporation (TX)

caught XXXX  2 times on top of that my XXXX kids caught XXXX  spoke with the fortiva rep who said she would update my account stating i had XXXX  my account was closed after i made a partial payment, they are still harassing me about a payment which i just got back to work
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2021 I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. COLLECTION NAMES XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
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 You have 30 days to respond this letter with all this proof I requested or delete this collection from my report
Consumer complaint received 2021-05-09
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: JPMORGAN CHASE & CO. (FL)

Since XX/XX/2021, I have been dealing with someone using my information. From XXXX, XXXX, and now XXXX they open a credit card that now will hurt my credit. 
Please I need help, the phone number they keep using is XXXX. I live in Florida thats NOT my number. Please HELP, I suffer enough & this scam is not helping, I contacted the FBI. On this I need your help. Please. 
Thank you.
Consumer complaint received 2018-05-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (MO)

This is a follow-up to a previous complaint about this company. 

They have continued to call our business line looking for someone else. They have the wrong number. 

We filed a complaint with the CFPB in late XX/XX/2018. Transworld Systems ( TSI ) replied saying they removed our number from their systems on XX/XX/2018 and have no intent to communicate with us further. 

However, they clearly have not kept to their word. They continue to call us.
Consumer complaint received 2022-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

after many months of disputing charges on my account, the bank responded to me that " We again would advise against attempting to resolve the issue directly with the merchant '' I agree!!! that means the bank needs to back out and not take responsibility on my behalf. 

the bank is responsible for this charge and should pay the charge as they are not allowing me to work directly with the merchant. the bank is taking it upon itself to accept charges for the vendor. 

I have made it quite clear that the charge is not legitimate and is a fraud. if the merchant has anything on their side that defends them I have not seen it and the bank has not shared it with me. 
If the merchant believes they are in the right they can come after me directly and without the support of capital one.

Why is capital one supporting the vendor as I am the client and creditor? 

I refuse this charge, I demand that the bank return my funds and back out of this situation as it is harassment. USFCR is completely capable of sending me an invoice if they seem to be fit. how are they using the bank to protect them when I am the creditor. It's a fraud. 

the bank has noted that " it has confirmed that all of the correct procedures and processes have been followed in denying this claim due to the merchant documentation. " I have not seen any merchant documentation. I have not been informed of any procedures that were used and I was not informed of any tactics they used. they never called me back to discuss it. they are defrauding me as a matter of fact. I have first-hand knowledge and the bank does not. the bank is a fraudulent organization and should have its banking charger removed for blatant fraud. 

did the merchant show documentation that showed that I never received the product and I still need to pay? that is called fraudulent and a cybercrime. 

capital one also said " they have no further recourse on this purchase '' then they have no right to demand that I pay for this. they can pay for it as I refuse to pay for fraud. I want my account closed with a XXXX balance.
Consumer complaint received 2022-03-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

First name : XXXX XXXX Last name : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Phone number : XXXX Ach routing number : XXXX Checking account number : XXXX email : XXXX Tel : XXXX This person promised me to send me a check of XXXX USD to me. He added XXXX USD for fee in his bank when he issues a check, XXXX USD for delivery fee and service fee. In total, XXXX USD. I wired my money on XX/XX/XXXX. In the mean while, I told him that I don't need his check. He agreed that he would return it back to me. I said to have XXXX USD for him, and send me XXXX USD only. He agreed on the phone call. When the money arrived at his bank account on XX/XX/XXXX, he did not send any of the money and he lies that his bank ( bank of america ) let him to withhold the amount for some reason. After that, he does not answer any of my call or emails. He has my bank account information which has all addresses, emails, phone numbers, etc. He got to know me through XXXX. It is the website for the XXXX  people in NY area mainly. He posted my XXXX  profile photos, etc in order to shame me and insist that he was not a scam, but I was a scam. First, I don't understand why he insisted that he called his bank. Second, he argues that the bank of america told him to withhold my money which is wired into his account. I think the first and the second is a lie because he wants to have that money. From that point, he uses " XXXX, '' the online community for XXXX  in New York, to argue that I am a liar, not him. He post profile pictures of mine about three times, and wants to get positive comments about his behavior. Now, he avoids the call and I don't know when I will have my money back, as he promised. He said he would wire money when his bank says yes you can. But this is all bypass to avoid his direct responsibility and gain time. 

He has to wire money back. Initially, when I cancelled his promise because my box- delivery to the U.S. has been arrived. He promised me when my box did not arrive. When my box was prospective to arrive at the place, he said on the phone that he will return all the money that was then coming to him. I said, it is my gratitute, so you can have XXXX USD out of XXXX USD because the initial contract somehow changed. XXXX USD was initial service fee for XXXX XXXX XXXX, the rest of XXXX USD was the amount of check in the XXXX XXXX  that he promised to send to me. He did not send the check of XXXX USD, and he does not have XXXX USD. He all has XXXX USD on his account and does not answer my call, just post his words in XXXX.
Consumer complaint received 2018-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

Equifax stated they removed this account and it is still listed XXXX XXXX XXXX # XXXX This item is past the statute and this company can not validate the XXXX. I have been fighting with them as I never had an account with XXXX XXXX ever
Consumer complaint received 2018-05-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (MD)

I have a XXXX XXXX backed mortgage, serviced by XXXX and underwritten by XXXX XXXX XXXX. 
Nearly a year ago I suffered a job loss and contacted XXXX as to my options. 
XXXX put me on a forbearance plan and referred me to XXXX XXXX counselors for a work out. 
I made initial payments to XXXX but was later unable to reach them and was led to believe they were no longer in business. 
Every step of the way from day one I have done as instructed by XXXX or XXXX and as I have committed to. 
XXXX on the other hand has routinely and consistently mislead or lied to me about the process, next steps or actions that they have taken to remedy my loan. I have pages of supporting, written documentation. 
I regularly receive intent to foreclose notices while on a payment plan. 
I am put on a payment plan only to be notified the following month XXXX has rejected the plan I have already paid in too - TWICE. 
I make payments with a confirmation number only to learn the payment was not processed nor was I ever called / informed of any issue. 
I routinely ask to be transferred to a supervisor and am either disconnected, put on hold never to be picked up on or told that I would receive a phone call and never have them call me. 
The actions of XXXX have been unfair and deceptive. The result has been for my credit to negatively impacted and threatened with the loss of my home. 
I am in the process of filing formal complaints with XXXX XXXX and XXXX XXXX. 
Any help or guidance as to my legal protections would be greatly appreciated. 
In addition, I would like to find out who has governance over XXXX so that I may file a formal complaint with them as well. 
XXXXs unfair and deceptive practices have most certainly caused the loss of homeownership for many others. I want to work to stop this operation from ruining other lives. 
Thank You, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP (OR)

I used XXXX App to send {$1000.00} to my daughter in XXXX, there were no indication at the time of remittance that there is a problems with my transaction but when it was delayed I checked with the bank ( US Bank ) then I received a 34 page " On line use Rules and Regulations '' to complicate already devastated situation.I want to know from the bank " What is the purpose and Need '' of such a long write up?

1-To confuse 2-To show the authority 3-To hold other peoples money in their account.

It is simply not needed and must be removed immediately.

Thanks XXXX XXXX, XXXX XXXX XXXX XXXX State of Oregon
Consumer complaint received 2024-04-01
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NJ)

I have been getting charged under this transaction on my BEST BUY CREDIT CARD STORE ONLY DEBT PROT XXXX  {$51.00} For over 12 months now I been getting charged this fee and didn'nt notice as I am paying off items for while now and notice why isnt it changing much. Sure its XXXX but if u add over a year or more it could be over XXXX dollars. Big difference ; this is a CITI BANK BEST BUY CARD. I read about their lawsuit and figured I might as well complain and see what happens. I would like all of those DEBT PROT to be credited asap or steps how to resolve it with them. 

If you need more proof I can go get a screen shot for each year but I cant go over a years time TY
Consumer complaint received 2022-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

COPY OF LETTER SENT TO BANK : On XX/XX/XXXX we received the attached unsigned, nameless, 21-word letter from your bank with NO EXPLANATION and even more concerning, no information about where our money went. We have been banking with you for many years. Please note that it was sent to our home in Florida. 

On XX/XX/XXXX we attempted to contact your bank. After getting a run around with security for about 2 hours we gave up. The big problem was we dont have a phone that will receive text messages. They couldnt send us a security code without our hanging up our land line and that in turn invalidated the code given to us. We are senior citizens and were on our old-fashioned land line. Out of frustration we gave up! 

The next day we started on this folly again. This time after about 1 hours we got with a gentlemen named XXXX. But in the mean time we got a royal run around trying to prove who we were, including having to take pictures of our drivers licenses and sending them to the bank. We did this THREE times, and for some reason the bank could not use them. The fact that we had a letter from your bank was not good enough for them! Nor were they willing to call us on the phone number that is attached to the account. Surely that would have proved that we are the owners of the checking account. 

XXXX was able to tell us what happened. Your bank closed the account, and sent the check to XXXX XXXX in Texas! We have not lived there for 9 years! XXXX said they are getting rid of accounts that dont have a physical address! Our reaction was, Is this some kind of joke?! 

Now if you look at the copy of the letter you sent us, you see it went to XXXX XXXX XXXX XXXX, in Florida. Apparently, you do have a physical address on file for us, some place at your bank! 

As of now, XXXX is attempting to fix the problem and he assures us that another check will be issued to our correct address. However, at this point we are not very confidant. Please know that when you send a letter like this with no explanation you create panic in your customers. Our first thoughts were that we were victims of a fraud and that someone stole our money ( in fact, YOU did steal our money using an unauthorized withdrawal ). In addition, when you close an account for no reason, your customers credit scores will be affected. This is a very poor practice and definitely doesnt represent excellent service. So much for your millions of dollars spent on advertisements. You can be assured we will never do business with you again and are telling all of our friends our story. 

COPY OF LETTER FROM BANK : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX Your account has been closed. 
Dear XXXX XXXX : We're writing to let you know we've closed your account ending in XXXXXXXX.lf you have any questions, please get in touch. 
Thanks, Capital Oneo Products and services are offered by XXXX
Consumer complaint received 2022-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2020-02-03
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: Experian Information Solutions Inc. (AR)

For years I wondered about my credit score never being consistent. I never in a million years would of thought that someone else was using my social security number and name to open up big accounts. I decided to get my credit pulled and there was SO MANY ACCOUNTS OPEN under my name that I have never in my life seen before. It is a real upsetting situation and it insane the amount of accounts that had been open or are open. Please remove these accounts from my credit report as soon as possible. 

XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$6300.00} DEPT OF ED/XXXX   XXXX {$22000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$120.00} XXXX XXXX  XXXX {$2600.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$890.00} XXXX XXXX  XXXX {$4000.00} XXXX XXXX {$670.00} XXXX XXXXXXXX {$290.00} XXXX XXXX {$550.00} XXXXXXXX XXXX   XXXX {$900.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX  XXXX {$3500.00} XXXX XXXX  XXXX {$3500.00} DEP ED/XXXX  XXXX {$12000.00} XXXX XXXX  XXXX {$9100.00} DPT EDXXXX XXXX {$22000.00} XXXX   XXXX {$670.00} XXXX   XXXX {$6400.00} XXXX   XXXX {$4000.00} XXXX   XXXX  XXXX {$0.00} XXXX XXXX {$2000.00} XXXX XXXX {$4000.00} XXXX  XXXX {$4000.00} XXXX   XXXX {$4000.00} XXXX  XXXX {$870.00} XXXX  XXXX {$2600.00} XXXX  XXXX {$2500.00} XXXX  XXXX {$120.00} XXXX   XXXX {$2000.00} XXXX   XXXX {$2600.00} XXXX  XXXX {$890.00} XXXX  XXXX {$870.00} XXXX   XXXX {$2600.00} XXXX  XXXX {$2000.00} XXXX  XXXX {$3500.00} XXXX   XXXX {$720000.00} XXXX XXXX {$14000.00} XXXX  XXXX {$5800.00} XXXX  XXXX {$5300.00} XXXX   XXXX {$12000.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$2000.00} XXXX   XXXX {$610.00} XXXX XXXX {$560.00}
Consumer complaint received 2020-02-03
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: WELLS FARGO & COMPANY (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX - XXXX of 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2022-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

the credit bureaus stated my account was properly investigated but how is that possible in the open date is inaccurate, the last date active is inaccurate, the date last reported is not accurate this is grounds for removal they also violated my rights under 15 U.S.C 1861 Section 602A states I have right to privacy 15 U.S.C 1861 section A section 2 also States that a consumer reporting agency can not furnish my account without my written instructions
Consumer complaint received 2020-02-03
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC. (MI)

We received a letter today ( XXXX XXXX ) from a debt collector Caine & Weiner regarding an alleged ( {$1300.00} ) debt of my sister XXXX that was wrongly addressed to myself and my wife. XXXX is XXXX years old, has XXXX XXXX and is in an XXXX XXXX home called XXXX XXXX in XXXX XXXX Michigan. My wife and I who assist in helping my sister contacted Caine and Weiner as soon as we receive the letter to : 1. Dispute the validity of this debt, 2. Let them know this is XXXX medical services and should not be directed towards myself or my wife but only to XXXX. 
3. To also let them know that we are not financially responsible for XXXX care, only her patient representative. 
4. And most importantly request copies of the financial agreement and the itemized statements. 

At XXXX XXXX  we spoke to a Mr. XXXX XXXX of Caine & Weiner to  dispute their claim and request the itemized statements and financial agreements. He told us we needed to send him a copy of my signature first. I let Mr. XXXX XXXX know that thats not proper and that my request as stated in his letter does not have any conditions. Wed have 30 days to dispute this and so we wish to dispute it. He continued to press me for my signature to be sent as a technicality in order to send us the information he has. We are aware that under the fair credit reporting act there are no contingencies attached to his sending us the documentation to assist us with disputing the validity of this claim. 

His demanding this does not comply with the law properly. We went around and around in our conversation letting him know we wished for the information to be sent and he kept reiterating the fact that he needed me to first send him mysignature in order for that to be done. This conversation was recorded and would be available to anyone wanting to know the facts of the conversation. 

He also implied that since we had talked to our attorney friend that he no longer wished to deal with us and and could not send us the information but that he would send our attorney friend the information. We told him we only spoke to our attorney for advice and he is not representing us, but Mr XXXX said he wished only to talk to him anyway. 

We believe this behavior to be not only aggressive but illegal according to the law. We wish you could look into this situation and not only correct it for us but other people theyre using these tactics on.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

Unauthorized hard inquiries to my credit i dont recognize Eqifax, XX/XX/XXXX XXXX XXXX XXXXXX/XX/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 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