davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Express Recovery Services, Inc. (UT)

Hello CFPB, My complaint is about XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX I had a appointment for a medical procedure. XXXX XXXX. I did go to the office but the procedure was not preformed. 
XX/XX/XXXX I received a bill for {$440.00}. My company alway pays all medical bills but my insurance let me know that this medical doctor is not allowed. I called the XXXX XXXX Billing number. Let the rep know that I will pay for the visit but that the XXXX was not done. She could check my files to see that no XXXX results. She said she would research and give me a call back. She never called me back. 
XX/XX/XXXX I spoke with the doctors nurse. She would look into it but never got back to me XX/XX/XXXX Called billing again and left a message. No return call XX/XX/XXXX I emailed XXXX about the incorrect bill XX/XX/XXXX drove to the medical offer and spoke to the front desk. They told me that only the billing department could speak with me XX/XX/XXXX emailed the billing Dept about the incorrect bill. No response. 
XX/XX/XXXX XXXX called me back I went through the details and she let me know I should go to the medical office and talk to the patient manager. She would not send to collections because I was working to resolve the issue. 
XX/XX/XXXX I received a letter from Clear Management Solutions in a attempt to collect the {$240.00} for the XXXX that was not preformed. I called and the rep recommended that I write them a letter to dispute the charges.
Consumer complaint received 2022-10-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2019-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I had Fraud on my HSBC checking account. Several unauthorized ATM transactions were made on my account using my PIN. Now, prior to that, I had received several phone calls from people claiming to have been HSBC. I'm a XXXX  veteran receiving XXXX compensation from VA. Literally the day, my VA XXXX check which was being direct deposited into HSBC, hit, just under {$600.00} of unauthorized ATM transactions hit my account. When I brought it to the banks attention, they stated that the transactions, however fraudulent, still put me over the daily ATM withdrawal limit for my relationship w them. I temporarily did not have access to my money, as it was past normal business hours for me to be able to go to a teller. I was ultimately able to go to the tellers the next day and use my other bank accounts/ credit card for transactions. But I feel like my accounts were spied on by the fraudster, as they knew exactly when my money hit this account, as well as I was told by the bank I was unable to access my money, fraud or not. I think HSBC, has an inability to safeguard their " Premier '' account holders information and do not recommend banking with them in the United States.
Consumer complaint received 2022-08-29
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: Mr. Cooper Group Inc. (TX)

XXXX I have tried to stop Mr Cooper from listing a property that was foreclosed on XXXX years ago. Mr Cooper states that although I did not request a loan modification their system has a algorithm that will automatically request a loan modification even though I did not request XXXX. I am trying to support my XXXX children I am on full XXXX and this property has been purchased by another family.
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC. (FL)

I canceled my insurance with XXXX XXXX in a timely manner so I will not be charged. I went with another company. Which is XXXX. I attached documents showing that I had insurance with XXXX. I shouldnt have a debt in collections with progressive insurance. By law a driver can only have one form of car insurance.
Consumer complaint received 2022-03-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (FL)

I disputed this debt XX/XX/2022 with all three credit reporting companies and they say its a valid debt and I say its not. They give no reasoning on how they determined that it is a legitimate debt other than to say I have to contact the company. This is not my debt.
Consumer complaint received 2022-03-19
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (DC)

Navient solutions violated XXXX title XXXX XXXX. XXXX. During the 30 day validation period the consumer was unable to verify such debt claims due to lack of sufficient evidence. The original contract with the red ink wet signature was not rendered. However, Navient sent a promissory note that did not bear the original signature of the consumer. Consumer clarified that the signature did not belong to him. In conclusion consumer will litigate Navient for fraud, tax invasion, harassment, violation of XXXX, Violation of FCRA and violating special deposit. Affidavits of fact were sent to Navient under special deposit with special instructions of which instructions were not followed. By law this results in breach of contract. XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. Navient is also violating a cease and desist that was sent to them. I request that you audit Navient for such violations. This complaint serves as evidence and will be applied to the case.
Consumer complaint received 2019-07-11
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. (GA)

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. I reached out to the FTC and my local police. I'm also doing this on my own behalf. These items need to be deleted from my credit report XXXX, US Dept ED, DeptedXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and there is an account on there that dont have a name but the account number is XXXX.
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation (VA)

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 USC1681 Section 602 states I have the right to privacy.

15 USC 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 1666B A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-26
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. (MD)

I've completed disputes with the credit bureaus in regard to student loans that appear on my report that do not belong to me. 

Letters to the credit bureaus were sent on the following dates : XX/XX/2021 XX/XX/2021 XX/XX/2021 I have never received a response from the credit bureaus, nor the creditor, in any of my correspondences.
Consumer complaint received 2022-03-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (VA)

We had a mortage that escrow our taxes. we sold the property, taxes were taken out of closing. BB & T has yet to refund our escrow taxes. We have been waiting since XXXX.I have called at least four times. I have had the local bank rep call. here it is XX/XX/2022 and i still don't have my refund.
Consumer complaint received 2022-10-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (OH)

my bank account and all of my money has been locked by chime bank. At first I received an email from them saying there was suspicous activity on my account so I immediately called chime and was told that this was a scam because it came from chime outreach and there was no such email address associated with chime only XXXX so I did what I was told and disregarded it. Then my account was frozen so I contacted them again and submitted everything they asked for XXXX times over the last 8 days with no response or support other than an automated acknowledgement email. I have called 6 times trying to get it resolved and they tell me they have received everything will unlock it after reviewing it on support end but nothing has been done and I am working full time and I am a full time student and I can not buy gas or food or anything else. I have changed my future direct deposits but I get paid byweekly and have a whole week before I get paid again. This is my money not chimes.I have done everything over and over again with no avail.I need my money to survive on.Please help me and stop chime from doing this to other hardworking people. Respectfully submitted XXXX
Consumer complaint received 2022-12-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MD)

I receive regular notifications that I owe XXXX XXXX ( creditor ) {$470.00} via Resurgent ( collection agency ) to LVNV Funding ( current owner ). I have been a long-time XXXX XXXX customer, don't recall an outstanding debt, was never contacted by XXXX XXXX about the debt... they know where to find me, and have checked with XXXX XXXX about it. My sense is this is a collections scam.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

THE IRS DEFINES A CHARGE OFF AS GROSS OR ORDINARY INCOME and INCOME DOES NOT GET REPORTED ON A CONSUMER REPORT IRS Publication XXXX Cat. No. XXXX Canceled Debts, Foreclosures, Repossessions, and Abandonments ( for Individuals ) For use in preparing 2022 Returns. Even if you didn't receive a Form XXXX, you must report canceled debt as gross income on your tax return. Or that 15 U.S. Code 1681s2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information.

( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2021-09-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (PA)

On XX/XX/2021 I, the original creditor and consumer, attempted to enter into a consumer credit transaction with XXXX XXXX. The " money man '' XXXX came and was rude with me and denied my business because of my nationality. I was very clear about my rights as a consumer and that they were being violated and that I would like to remedy. He denied.
Consumer complaint received 2019-08-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Machol & Johannes, LLC (CO)

XXXX XXXX Machols & Johannes LLC was asked to validate the said debt in the amount of {$1000.00} and {$660.00} which they are currently reporting on my credit report. Each time they sent me papers that only is a statement of account that has been later found to have a fraudulent signature on them. The head accountant on XXXX signature was on the account information they sent me when my attorney contacted him he had no knowledge of it. Bankers can no longer robo sign documents as the case pending with the DOJ now against several big banks. They have yet to send me any actual proof with my signature on it tying my to the debt. Under the New UCC Laws and, because of the previous XXXX XXXX Scheme debt collectors must provide original contract of debt. In which this company has not and fail to do so. I've asked them for the past two years and they continue to report this information. My next step is court. They had had over 45 days to comply this information needs to be removed immediately along with the constant hard credit inquiry pulls they have been making on my credit report.
Consumer complaint received 2022-03-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Payward Ventures Inc. dba Kraken (FL)

1. opened an account with Kraken XXXX XX/XX/22 XXXX submitted my credentials like photo ID etc and linked my XXXX XXXX account ( I have a screenshot ) 3. Same day I purchased crypto currency at the amount of XXXX XXXX XXXX $ and used my linked bank account. Kraken charged XXXX $ transaction fee and credited my account with the crypto. 
4. XX/XX/22 I wanted to add additional XXXX XXXX $ but due to the max amount of XXXX XXXX $ it was only possible by wire. 
5. I wired XXXX XXXX $ from my XXXX XXXX account which was not credited for a couple of business days.

6. customer service told me that it will take additional time to process ( I have transcript ) 7. After 8 business days ( from the wire ) I receive an email from Kraken stating that they want me for undisclosed matters close my account. In order to return my wire I should provide bank statement.

8. I refused to disclose my personal bank transactions via a statement and after 3 email exchanges they returned the wire which was not the full amount but close 9. Kraken asked me to sell my crypto in the account to return my balance, I refused because I have paid XXXX $ commission but I offered to transfer my crypto into my ledger wallet and them I am happy to close the account.

10. Kraken refused and insisted to sell my crypto on their exchange in order to close my account and return my money Here is my complaint : It is understood that these exchanges need to be careful to be in compliance with rules and regulations. If they consider that my account is suspicious why did they accept the opening, transactions and collecting the fees from the transactions? 
Having said that it is also understood that I need to comply with the closing but Kraken returns my money only if I sell my crypto assets. I made 2 attempts ( I have screenshots ) to transfer the crypto into my ledger wallet and was ready tp close my account. The fraud consists in my honest opinion that Kraken collected XXXX $ commission form the purchase plus an additional XXXX $ for the transfer, they will collect another commission from the sale and only then return the money. If this is unethical or fraud is up to you to decide. Not mentioning the short changed return of the wire.
Consumer complaint received 2017-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I have several discrepancies on my credit report that I have reported to the credit bureau. The credit bureaus have my name as XXXX XXXX XXXX and is incorrect. I have a collections that I disputed for XXXX and they do not have it listed as disputed and nor was it removed from my report. XXXX XXXX bank and XXXX XXXX is the same account and I have disputed that with the bureau as duplicated and nothing was done.Also, the amount is incorrect. XXXX XXXX is reporting something that was paid in XX/XX/2012 and showing as a XXXX balance. West Virginia Statute of Limitations on Debt Collection is five years. W. Va. Code 55-2-6 ( 1923 ). I have a collection XXXX XXXX for {$80.00} that is over five years on my file that is incorrect. I have disputed the record and it was not taken off.
Consumer complaint received 2017-08-16
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. (TX)

I have 2 items listed on my credit report as collections from the Company XXXX XXXX ( 1 ) {$850.00} and ( 2 ) {$980.00}. I have sent certified letters to dispute these charges to the credit bureaus and to the XXXX XXXX agency to no avail. ( Letters were sent XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. ) They continue to say the debt is valid, with no evidence of such. However, per my insurance XXXX XXXX XXXX XXXX - there are no claims from providers for these amounts. I am requesting that both items be deleted from my credit file. I have no other collections and this is a hardship and burden to me and my family.
Consumer complaint received 2022-12-16
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. (NE)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-03-19
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. (AL)

In accordance with the Fair Credit Reporting Act U.S.C. 1681 & Fair Debt Practices Act 15 U.S.C. 1692 XXXX  account # XXXX, XXXX, XXXX, XXXX, has violated my rights.

15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 States : That a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1692 Section 805 A States : A debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer.

15 U.S.C. 1692 Section 806 Section 5 : Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2022-03-19
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. (MI)

I XXXX XXXX XXXX, Natural Person and consumer am submitted this complaint on my own behalf. I have been a victim of Identity theft. Please review the attachment as my federally protected consumer rights have been violated.
Consumer complaint received 2024-06-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MN)

I applied for private student loan forgiveness on XX/XX/24 due to my school engaging in fraudulent activities. I was denied on XXXX because my loans have been paid in full, however my federal student loans are being forgiven with a refund of payments made for to the school closing due to fraudulent practices. It doesn't seem justified that they can deny my claim and make profit off my loans due to interest because they have been paid in full. They are forgiving loans and offering refunds to people who haven't paid in full so I should also receive refund of payments made. I was lied to and caused harm by my school and should be awarded the same forgiveness and refund that other people are getting. I should not be punished further simple because I worked XXXX hours a week and didn't own a car to pay my loans in full and avoid defaulting which would of harmed my cosigner as well.
Consumer complaint received 2022-05-06
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: Experian Information Solutions Inc. (PA)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the XXXX Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX
Consumer complaint received 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I XXXX XXXX XXXX, Natural Person and consumer am submitted this complaint on my own behalf. I have been a victim of Identity theft. Please review the attachment as my federally protected consumer rights have been violated.