davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-09
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: FirstPoint Collection Resources (NC)

XXXX XXXX XXXX  I received a bill from XXXX XXXX XXXX XX/XX/2021 and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I requested that they allow me to validate the alleged debt. I am not aware that there is a debt from first post collections and I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for 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.
Consumer complaint received 2017-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BB&T CORPORATION (FL)

this debt is showing on my XXXX credit report its not mind this account was opened in ohio i NEVER been or lived in ohio, i called them and wrote them and they still can not find proof its mind there causing harm to my name and credit report they dont even have my correct social XXXX
Consumer complaint received 2017-07-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patient Accounting Service Center (CA)

I had XXXX at XXXX Hospital in XXXX, CA on XX/XX/XXXX. They held the bill as long as they could in house. It went to collections after that & I was making all of my payments as agreed with XXXX XXXX XXXX for a very long time. Once in awhile I was late or forgot, and I would get a notice in the mail. I renegotiated a lower amount & made those payments until my divorce in XX/XX/XXXX. Then I made them as I could after I began working again. According to my records, by XX/XX/XXXX my Balance was down to {$320.00}. On XX/XX/XXXX I called to make a paymnt I would have normally made online, but due to their system issues or something, I was not abel to. I was told via phone by a rep named XXXX my balance was {$14.00}. I was shocked, I questioned, informed that was my balance & I paid it in full. {$14.00}. A few months go by, I am still questioning to myself that something was n't right, so I called at the beginning of XX/XX/XXXX, & left a voice mail. I received a letter dated XX/XX/XXXX from A/R Strat who now has taken over the account ( company took over XXXX XXXX XXXX ) He apologized for their error & now my balance was correct at {$310.00}. Since then I have made XXXX payments via their website, and none of which have been posted to my account. Not even after my complaint call on XX/XX/XXXX, to A/R Strat where I spoke to a rep, who then transferred me to a supervisor named XXXX XXXX She said my balance was still {$310.00}, & I had to send them proof of my payments to have them posted to my account. Needless to say I am XXXX XXXX. I paid {$56.00} on XX/XX/XXXX, {$75.00} on XX/XX/XXXX, & {$100.00} on XX/XX/XXXX leaving a balance due of {$81.00}. To this day they still are not posted to my account. I know this because I went online 2 days ago to make my final payment of the total balance due & low & behold ... the site still shows {$310.00} balance due. I sent XXXX an email with my complaint & it came back auto reply she is out of town & to talk to two other associates. I will be forwarding my emails to them as well. So from XX/XX/XXXX to now my payments are not posted at A/R Strat. Yet I called the hospital XXXX XXXX XXXX on XX/XX/XXXX & they had the same balance I did ... {$81.00}. .... Someone is not doing their job! This ca n't be the only account this is happening to! This has to be corrected & I want an apology and a XXXX balance due letter and I want any and all derogatory information about this account if it is on my credit file history to be corrected! Immediately! This is wrong! I never got any bills from A/R Strat ... only the one letter in XX/XX/XXXX. Nothing else. No phone calls, no email, no usps letters or bills NOTHING! Why??? What kind of monkeys do they have running this circus???
Consumer complaint received 2022-03-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: SYNCHRONY FINANCIAL (NC)

This complaint is with PayPal Credit. I originally made a purchase with an XXXX dating subscription. I used PayPal Credits deferred interest for 6 months on purchases over {$99.00}. When XXXX kept putting up the same people that I had already discarded, over and over, even PayPal Credit said that such was unacceptable. It is not acceptable that anyone should just take what is happening with the website. I tried to resolve it with XXXX first, to no avail, then contacted XXXX and disputed the charge. PayPal credit has not decided in my favor. I do not find this reasonable. The website is saying that the subscription is no longer accessible and reflects a balance of {$170.00}. In addition, PayPal Credit is also asking for {$170.00}. If XXXX has a balance of {$170.00} that they claim I owe, then why is XXXX inaccessible and asking for {$170.00}. The fact that I havent even been able to access the site and have been going around and around and not getting anywhere is enough for me to be done!
Consumer complaint received 2017-04-22
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I received a phone call from a female  XXXX  supposedly from  XXXX   XXXX   XXXX . She told that to call  XXXX  regarding a complaint a summon for a debt supposedly I owe in   XXXX    . They told me if I do n't pay I could me arrested or freeze my back account. I do n't owe anybody.. I check my credit report and that account does n't exist. They have n't send me anything through the mail. The only thing they send me a email. they wanted my back information and my signature. I check in the internet and I 'm not the only one who this people called.. This company is not in the internet, I checked.. I want them to stop harassing me..
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IN)

Prior to Equifax 's announcement, XXXX had a link to freeze their credit easily. After X/XX/2017, they change the link and now are trying to hide the link behind their " monitoring system. '' This is disgusting that they are taking advantage of people trying to freeze their credit. This is a service that should be provided for free, after all THEY are the one who messed up.
Consumer complaint received 2022-11-17
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. (NM)

Latest reporting XX/XX/2022 In light of this malicious activity, I have been unable to obtain housing in accordance with the Fair Housing Act and the SCRA ACT for military families ; because of the hardship resulting from it the incomplete BILLING ERROR reported on the XXXX CREDIT REPORT by XXXX XXXX ACCT # XXXX The billing error is Status 30 days past due- ACCOUNT WAS NEVER LATE Status updated XX/XX/2022, Balance {$460.00}, as I DO NOT OWE ANY BALANCE!
Consumer complaint received 2022-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Prosper Marketplace, Inc. (LA)

The card keeps showing restricted, Every other week I have to keep calling them. They unrestricted it and they did it again this month. When I call them they put me on hold and never come back saying theyre looking at my account. I dont understand what kind of company does this.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (TX)

The XXXX breech made clear that none of these credit report agencies have my or any other consumer 's security in mind. As a consumer, I have no ability to manage, secure, or opt out of the system. 

Identity theft is a real problem and all to easy commit with limited knowledge of the victim. Steps have to be taken on the federal level to protect US citizens and consumers from Identity theft and misuse. As I see it, the following actions need to be taken : 1. Prohibit the social security number from being used as a means of identification. The SSN should be used only for the collection, assessment, and distribution of social security taxes only. The dependency on a " secret number '' that is required for virtually every " big ticket '' purchase to keep our identities safe is an exercise in foolishness.
2. Set up HIPAA-like protections on identity. Force modern encryption standards on all databases containing identifying data. Make it incumbent upon any agency that wants to collect and store such data to properly secure it so that breech of a database can do limited damage at most. Impose stiff mandatory fines upon any company that loses control of such data and force compensation to be paid to any possible victim.
3. Come up with a system where identity can only be verified with participation of the consumer. Possibly based on a XXXX platform. Thereby the user can explicitly control who has access to his/her identity and who does not.
With modern day encryption techniques and technology, this level of security is attainable. One of the main duties of the Federal Government is to protect its citizens from harm. Read any account of anybody who has had their identity stolen and you will realize a living XXXX that I pray I never experience. Do what 's right, protect your citizens.
Consumer complaint received 2017-04-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

I recently requested copies of my statements and cancelled checks for the last year from my checking account. I was emailed 6 months worth of statements.  Wells Fargo sa id they could n't email the rest because " only some of them could be opened ''. They said they could only print them, but the files could not be opened. I then looked through the statements I did receive. I received  XXXX  different and conflicting statements for the month of   XXXX   XXXX   They are both clearly from the same account, and yet they have different information on the statements  ( one  said we were overdrawn for the month and the other said we had over {$4000.00} in our account ). When I spoke to  Wells Fargo  about these obvious problems in their records, and asked them to look into these problems. They said that they would not do that, it was against policy to investigate problems like these. Well, these are my records and since there is a very obvious problem, this needs to be addressed.
Consumer complaint received 2021-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (NY)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Mcburberod Financial, Inc. d/b/a SeedFi (CA)

My family and I have been affected by COVID19 so I longer hold employment. SEEDFI is still forcing me to continue my payments when I clearly told them I wouldnt be able to afford the payments of {$200.00} a month to report positive payments on my credit profile. Once I told them I could no longer afford the payments they deferred payments for 2 MONTHS I was behind on one payment and they advise me that they already gave me a grace period and if I didnt make a payment they were going to report negative information on my credit profile. I tried explaining to the company that it isnt like I dont want to pay, Im just not working right now and cant afford it. Ive work extremely hard to build my credit profile to change my familys lives. Id like to someone how close this account and remove this company from reporting due to the stressful situations this is causing no only for me, but my family as well. Thank you.
Consumer complaint received 2022-03-11
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: National Credit Adjusters, LLC (AZ)

National Credit Adjust is reporting inaccurate information to my credit report. 
-PAST DUE AMOUNT : This section is incomplete across all credit reports, delete immediately -LAST REPORTED DATE : This section is incorrect across all credit reports, delete immediately -DATE LAST ACTIVE : Is incorrect on all three credit reports
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The XXXX breech made clear that none of these credit report agencies have my or any other consumer 's security in mind. As a consumer, I have no ability to manage, secure, or opt out of the system. 
Identity theft is a real problem and all to easy commit with limited knowledge of the victim. Steps have to be taken on the federal level to protect US citizens and consumers from Identity theft and misuse. As I see it, the following actions need to be taken : 1. Prohibit the social security number from being used as a means of identification. The SSN should be used only for the collection, assessment, and distribution of social security taxes only. The dependency on a " secret number '' that is required for virtually every " big ticket '' purchase to keep our identities safe is an exercise in foolishness.
2. Set up HIPAA-like protections on identity. Force modern encryption standards on all databases containing identifying data. Make it incumbent upon any agency that wants to collect and store such data to properly secure it so that breech of a database can do limited damage at most. Impose stiff mandatory fines upon any company that loses control of such data and force compensation to be paid to any possible victim.
3. Come up with a system where identity can only be verified with participation of the consumer. Possibly based on a XXXX platform. Thereby the user can explicitly control who has access to his/her identity and who does not.
With modern day encryption techniques and technology, this level of security is attainable. One of  the main duties of the Federal Government is to protect its citizens from harm. Read any account of anybody who has had their identity stolen and you will realize a living XXXX that I pray I never experience. Do what 's right, protect your citizens.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (TN)

This, Item was discharged and the Credit Bureaus do not properly verify the information according to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A and 12 CFR 1006.34 ( b ) ( 5 ) Misrepresented credit consequences of falling behind on a loan : Illegally froze members access to their accounts
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

With the recent XXXX 's breach in security and over 143 million people 's data being compromised due to unprecedented neglect by the company it is ridiculously for the victims to be required to pay to freeze their credit reports. Companies like Transunion and XXXX should be offering a free service to freeze credit even if it 's temporary, especially during these times. Such blatant attempt to profit off the XXXX  breach is deplorable.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2017-04-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (TN)

Attempting to collect a debt for an apartment complex for an NSF check which was paid. All the rent for the entire lease was paid in full before I moved out. A year later, I receive a letter from the debt collector about the NSF. I sent documented information  3  weeks ago of all payments made and now they are asking me to send it again. They also advised me to email it and now they 're saying they did n't receive that either. Today when I called they said they are waiting for documentation from the apt complex  regarding my dispute. Should n't they have received all the documentation they needed   before charging me with an unpaid debt and placing that on my credit report.   The initial letter was dated  XXXX / XXXX /   17  ; it stated that I had 30 days to contact them or they would consider the debt valid. I contacted them and registered the dispute before those 30 days were up and sent them the information. Collection is listed as  XXXX / XXXX / 17  on my credit report.
Consumer complaint received 2021-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Conduent Incorporated (GA)

On XX/XX/21, when I checked the balanced on my XXXX  Card ( XXXX XXXX  ), I was sickened to find that over 100 transactions had been made from XXXX to XXXX, all to the same merchant ( XXXX  ). The charges total over XXXX. I have NEVER purchased from this company ... I assume it's some sort of gift card App Store as the amounts range in equal dollar amount from XXXX to XXXX. 

I immediately contacted the way2go fraud department who advised me that they would send out fraud paperwork immediately ( it arrived on XX/XX/XXXX ) and I had until the XX/XX/XXXX to submit it. I found the paperwork online and filled it out and will be faxing it to XXXX on the XXXX of XXXX. 

in the meantime I've read online that this bank almost always rejects fraud cases with no cause or explanation, and there are in fact many lawsuits pending. The bank also has an " F '' rating on the XXXX  website. 

I can provide screen captures from my account but I've attached a list of all the charges that I filled out for the bank 's fraud form.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

There should be an easy way to freeze my credit report on all 3 agencies. I have tried to do this online with all 3 agencies and after much time, all 3 errored out with vague error messages that " my request could not be completed at this time ''. This is unacceptable.
Consumer complaint received 2017-07-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (LA)

I have notified Equifax twice that the inquiries that are on my credit report are fraudulent inquiries that were not authorized. I have sent several letters to Equifax by certified mail, yet the inaccurate information, remains on my credit report. These inquiries add a hardship and my rights were violated by Equifax. I ask that CFPB help me make Equifax stop victimize me.
Consumer complaint received 2021-09-09
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC. (MI)

Responding to Navient recent letter to collect a debt. I have no debt to Navient. Those student loans you typed on your letter of indebtedness page 2 of 9 are not mine. I never had loan with Sallie Mae Trust. Send Sallie Mae Trust license number. Send a copy of each Promissory Note loan listed on page 2 of 9 : XXXX {$3100.00} XXXX  {$4200.00} XXXX {$5900.00} XXXX  {$4400.00} XXXX  {$6900.00} XXXX {$7500.00} XXXX  {$2900.00} XXXX  {$5600.00} XXXX {$5800.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$7000.00} What does Sallie Mae XXXX mean and where is the entity located. If you can not supply a copy of the all the Promissory Notes then you do not have an Debt to collect. Sent page 2of 9 Section D1 Holder Name and Mailing address. Also what is the legal name of Sallie Mae Trust and 2004 location.
Consumer complaint received 2017-04-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have sent a address affidavit to have all incorrect addresses removed from my file. My name is spelled wrong on my   XXXX   report as well. Please see the attached documents and correct the error as requested thank you for your time and concern.