davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Admin Recovery, LLC (NJ)

I had an account with XXXX XXXX and XXXX to purchase furniture. I was late with making the payments and received a call from Admin Recovery with a settlement agreement which I took and have been paying faithfully since XXXX of XXXX  I am now receiving collection letters calls and bad reporting from XXXX and XXXX stating that they have not received payment since XX/XX/year>. They payments sent to XXXX XXXX are automatic every XXXX weeks. I have called about this situation 3 times to XXXX and XXXX Bank to update the records and correct it. Now my credit score has dropped again because they are reporting me as being delinquent when they should not be servicing the account any longer. They keep giving me the run around and sending me back to Admin Recovery who states I am in good standing with them. I pay XXXX twice a month. the settlement amount was XXXX which I have paid XXXX of so far and I am due to finish by next XXXX with the account. I am beyond frustrated because I am making the payments, and it is not fair that they keep reporting if they sold the account and refuse to update their systems.
Consumer complaint received 2020-04-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

ARS ACCOUNT RESOLUTION is reporting an account # XXXX on my credit report which does not belong to me & has been calling me & threatening to pay them a debt which does not belong to me & must me deleted from my report
Consumer complaint received 2020-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (PA)

In XX/XX/2020, with the beginning of the epidemic, I knew that I would not be able to make the minimum payment of {$84.00} required due to unemployment. I had a auto pay set up and cancelled the autopayment immediately to avoid added fees or penalties until I could determine how to get a payment to them. 

On XX/XX/2020 - an auto payment in the amount of {$160.00} was sent through to my PNC bank account without authorization. When I checked the account in hopes of stimulus check, I saw this debit was issued. 

I went back online to the credit card site to verify that i had cancelled as I thought I had made a mistake. I hadnt made a mistake. There aren't any scheduled payments listed. 

I contacted the credit card company and they told me that I didn't do it right when I cancelled the auto payments. I told them thats incorrect and I have a screen shot that I can send to them showing them that the online system gave me an error code and that a transaction to cancel an auto pay could not be done as there wasn't one scheduled to begin with. I told them that they sent through a payment that was not authorized by me and to reverse the payment. I was told that because I was delinquent they would put the request in but it could be denied in three days and I would have to wait. 

In the meantime, my account is overdrawn and the {$19.00} I had in the account is gone and I will be facing penalties by my bank. 

XXXX XXXX Credit Card company submitted an UNAUTHORIZED payment to my bank.
Consumer complaint received 2020-04-27
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

DEPTEDXXXX XXXXXXXX {$3200.00} XXXX XXXX XXXX {$2600.00} XXXX XXXXXXXX XXXX {$250.00} XXXX XXXX XXXX {$830.00} CXXXX XXXX   XXXX {$360.00} XXXX XXXX  XXXX {$350.00} XXXX   XXXX {$17000.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2019-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Innovis (MT)

This is a copy of the letter I sent to " Innovis XXXX XXXX '' Innovis XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern, I am requesting the immediate security freeze on my consumer disclosure report and all other personal information of mine. Under the Fair Reporting Act ( FCRA ) you are required to comply. After this freeze has been filed please send me  written confirmation to the address below. 

XXXX XXXX XXXX Social Security Number XXXX Current Home Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Previous Home Address XXXX XXXX XXXX XXXX, XXXX XXXX Phone Number XXXX I am providing the following documents that verify my identity : 1. Copy of my drivers license 2. Copy of my home utility bill 3. Copy of my United States Passport Respectfully, XXXX XXXX XXXX " Innovis '' never responded or complied with my request. I will send them the letter again via certified mail.
Consumer complaint received 2022-10-29
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (MD)

ON XX/XX/XXXX WE CLOSED WITH XXXX XXXX THEN WE REFINANCED IN XX/XX/XXXX WE NEVER RECIEVED OUR TILA DOCUMENTS WE ALSO DIDNT RECIEVE OUR FINAL CLOSING DOCS 3 DAYS IN ADVANCE. 
A LAWFUL CONTRACT MUST HAVE FOUR PRESENT ITEMS 1 FULL DISCLOSURE 2. EQUAL COONSIDERATION ( THEY BROUGHT NOTHING OF VALUE TO THE TABLE. SO THEY HAD NOTHING TO LOOSE ). 
3.LAWFUL TERMS AND CONDITIONS ( THIS WAS BASED ON FRAUD ) 4.THE WET INK SIGNATURES OF BOTH PARTIES. MY NOTE ONLY HAS ONE SIGNATURE
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX .... 
Account # XXXX .... 
Account # XXXX .... 
has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-04-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Debt Recovery Solutions, LLC (AZ)

ON XX/XX/XXXX 2 DUPICATE MEDICAL COLLECTIONS POP ON MY CREDIT REPORT AND I GET ALERTED ABOUT A CHANGE ON MY CREDIT REPORT SO I INVESTGATE. MY SCORES DROPPED ALMOST 200 POINTS IN A SHORT TIME.. I CALL DEPT RECOVERY SOLUTIONS IN NEW YORK, THEY SAY THERES NOTHING. WAIT HOLD FOR A MIN THEN THEY HANG UP .I CALL AGAIN AND SAME GUY I TALK TO .I TELL HIM WE GOT DISCONNECTED. AND HE LIES AND SAYS WASNT HIM LOL. I M NOT DEAF CLEARLY SAME GUY AND SAME JOKING I HEARD IN BACK GROUND. SO HE SAY HOLD ON AND CLICK HANGS UP. I CALL FOR THE 3RD TIME AND SAME GUY. AND SAYS THERES NOTHING IN SYSTEM MR XXXX. I SAID THATS NOT MY NAME AND SAID MY NAME .THEN HE ASKED FOR SS # AND DOB I LAUGHED I SAID HOW ABOUT I GIVE YOU ACCOUNT # THAT I DONT GIVE THAT PERSONAL INFO OUT. AND HE SAID HOLD AND CLICK HUNG UP. I CALLED BACK AND GOT A RECORDING THEY WERE CLOSED FOR THE DAY CALL BACK DURING BUISNESS HOURS. AND THIS SCAMMER MANAGED TO GET FALSE DATA FROM PAST OLD DATA AND REHASHED DATA AND GOT IT ON MY CREDIT REPORTS AS A PAST MEDICAL COLLECTION DEPT. THAT DATES DONT JIVE. GON NA BE REMOVED ON XX/XX/XXXX AND JUST APPEARED ON MY CREDIT REPORTS ON XX/XX/XXXX AND I HAVE NO PRIOR BILLS OR KNOWLEGE OF THEM. AND CREDIT RPORTING BUREAUS ARE NOT ABIDING BY THE LAWS AND CONTROLLING WHAT I CAN DISPUTE WHEN I CAN DISPUTE WHAT I CAN SAY IN THE DISPUTE. LIMITING MY WORDS IN A DISPUTE. FORCE SELECTED STATEMENTS THEY WROTE UP IN MY DISPUTES.. AND NOT PROVIDING ANY INVESTIGATION DOCUMENTS TO THE COMSUMER AND THATS XXXX XXXX / XXXX  .WHICH ARE THE WORST AND MOST CORRUPT.. XXXX  NOT TO FAR BEHIND. IM WONDERING IF THIS IS RETALIATION FROM A PAST COMPLAINT I DID AGAINST THEM? THEY NEED TO REALLY INVESTIGATE THE 3 REPORTING AGENCYS .I XXXX  MY  CONCERN AND IM NOT ALONE. THERS LAWS BROKEN BIG TIME
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Capital one platinum card reported a late payment which was made on time and was not over 30 days late which they reported as. I filed a dispute they fixed it on XXXX  but not XXXX or XXXX and it dropped me over 30 points that it shouldn't have. And now XXXX and XXXX  are trying to post other cards as over limit and such when they are not as payments have been made and it keeps knocking off points and not putting them back or reporting correctly. This is the worst experience ever inaccurate invalid info and it hurting me!!
Consumer complaint received 2019-08-22
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. (TN)

In 2017 I froze all credit with all three credit bureau's after the XXXX data breach.  Today I am considering a new loan and contacted all three.  I had success with all but Experian.  Online I went through a series of giving info and answering questions to be told they couldn't verify if and require me to mail in name, address, dob, ss# copies of drivers license, utilities bills and a pin number I never received from them.  I called and answered all the questions again to which they denied me requests and gave me the same requirements and an address and the automated system quickly hung up the phone with no option to hear it again or speak with anyone.  This is an outrage as I  don't have a pin or any info from them from 2 years ago or any option to contact them but  snail mail and maybe I will hear from them who knows when!  I need to make purchases and have credit verified immediately with the option to freeze and unfreeze my credit immediately or within an hour or so due to the XXXX breach.  Experian makes it impossible if you do not answer correctly with no option but postal mail and serveral days.  I you have a purchase emergency where credit has to be verified you are out of luck.  They need the option of someone answering the phone to verify.
Consumer complaint received 2022-12-25
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

My name is XXXX XXXX XXXX and I filed a civil complaint against Chase Bank because I am confused about payments, who to pay, and all of the erroneous and conflicting information surrounding my VA Home loan. 

The Department XXXX XXXX XXXX noted that XXXX XXXX XXXX XXXX XXXX is my one and only lender. I've spoken with supervisors at the VA and received paperwork which supports this claim. I took out a VA home loan with XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and sent payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to the Department of XXXX XXXX, Chase Bank shows up on my file as a third party collector in XXXX. My payments with XXXX XXXX is not accounted for. Chase Bank notes they bought my loan from XXXX XXXX, which is untrue because the VA states otherwise, and by federal law, borrowers are protected and when a loan is bought or sold by the old lender and new lender, both are to notify you in writing within 15 days, which never happened. 

Additionally, Chase Bank, who again, was noted as a third party collector on VA records and mysteriously showed up on my VA loan in XXXX stated that they were my lender, when they were not, which is considered deceptive business practices. 

TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX located ate XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX, noted in a correspondence dated on XX/XX/XXXX, and who is trying to fraudulently steal my home and sale it on XX/XX/XXXX, indicated that Chase Bank sold my loan to XXXX XXXX XXXX  This is false information. Again, the VA confirms Chase has never been a lender and that the only lender on file for my loan is with XXXX XXXX XXXX as XXXX XXXX Chase Bank has no legal authority to sale my home to XXXX XXXX XXXX, and again, federal law protects borrowers when loans are bought or sold by requiring that both the old lender and the new lender notify you in writing within 15 days of a sale that a transfer has taken place. This never happened. I only received a foreclosure letter in XX/XX/XXXX. 

I attest under the law of perjury that I have never received any information from old and new lenders of a sale taken place. I've asked both Chase Bank to provide me with a copy notifying me of the sale, but have never received a copy of this letter nor have I received anything from XXXX XXXX XXXX as XXXX XXXX which again , is required by law.
Consumer complaint received 2024-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (NY)

On XX/XX/year> I attempted to access XXXX XXXX in my Ally bank account. The account is in good standing and I have used XXXX for over 10 years. I was denied access. I received not written notice, and there was nothing in my message section of my account. I called XXXX ( who handles XXXX ) and was told to contact Ally Bank. Ally told on the XXXX that the problem should be resolved by the XX/XX/year>. It was not. Since I consistently pay my bills on time and have over XXXX XXXX scores, I was very concerned that I would be late in paying my bills. I called both XXXX and Ally again on XX/XX/year> and I have been granted access to XXXX. I have never received an email, letter or verbal explanation as to why my account was frozen. It was pure luck that I attempted to access my XXXX account early this month. XXXX, XXXX was reactivated with a simple phone call which leads me to believe that this was a glitch.
Consumer complaint received 2020-04-27
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. (CA)

Beginning in mid-XXXX, I have submitted several disputes to Equifax to correct errors on my consumer report and have not received my results or been able to check the status of my disputes over the phone or online. I am able to log into " myequifax '' but unable to check the status of my dispute in the dispute center. I was instructed to send in my drivers license, social security card, utility bills and bank statement. I have followed up numerous times over the past 2 months but am always told to call back another day or the line is abruptly disconnected. My last contact with Equifax was on XX/XX/XXXX and they confirmed my documents were received on XX/XX/XXXX. The representative would not release the results of my dispute and told me to call back on a later day. I have lost my patience and would like to see the results of my dispute and for the changes to reflect on my report.
Consumer complaint received 2022-03-09
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: ID Analytics, Inc. (FL)

The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPT OF EDUCATION/XX/XX/XXXXXXXX DEPT OF EDUCATION/XX/XX/XXXXXXXX DEPT OF EDUCATION/XX/XX/XXXXXXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX I.C. SYSTEM, XXXX XXXX XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2020-04-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: GreenSky, LLC (CO)

One month ago I contacted green sky requesting a deferral due to COVID19 given my hours were cut at work. I was told I had a 3 month deferral. 5 days past the first payment that was not made ( 1st month of the deferred months ), I received a collection call. I reiterated that I was told I had a three month deferral and offered to pay as I did not want my credit to be negatively affected. I was assured that nothing is reported to the credit agencies until a loan is 30 days past due. A week after that call I get multiple collection calls, two in the same day. I have the same conversation and am assured that nothing is being reported. Yesterday, one month after the initial call I receive a letter in the mail  confirming the deferral. This morning at XXXX I received a call from Greensky yet again. I have excellent credit ( XXXX  rating ) and do not want to associate with a company that has a complete disrespect for its customers during a pandemic and no internal tracking of the conversations taking place. I have since set up the loan to be paid in full so I do not have to interact with this company ever again.
Consumer complaint received 2019-07-04
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. (OK)

I enrolled in school ... ..and I applied for federal and Pell grants ... ..I did apply for any loans and now I'm stuck with this on my credit ... ... .they have already passed loan forgiveness ... ... please help????
Consumer complaint received 2020-12-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (PA)

The company is Navient. My issue is not that they would call me- I understand that. Actually I had to change my phone number because they harassed me consistently. Now they are harassing my family members. Ive told them twice-both times via email so that I can retain copies of the correspondence to stop contacting my family. Its my understanding they are required to do so once they hear from me. The first time was XX/XX/XXXX- I asked them to stop bothering my XXXX year old mother. The second time was tonight-XX/XX/XXXX after my son got a phone call. I told them I had already warned them I would be reporting them if they continued to contact my family and that was now my intention. They can email me-they can send me letters they dont need to harass my family several times a day. I have not received one letter from this company just constant emails and constant harassment of my family.
Consumer complaint received 2020-04-27
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)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX  XXXX {$760.00} XXXX  XXXX   XXXX {$180.00} XXXX XXXX XXXX {$8300.00} XXXX  XXXX XXXX {$4200.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2019-08-01
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY (TX)

I had direct deposit of my paychecks at Well Fargo Bank in XX/XX/XXXX. At some point I had incurred a large charge for one insufficient fund item. Before I knew it 5 or 6 very small checks hit and as a result of the unknown debit for the service charge. Result 6 more service charges. I switched the direct deposit because the service charges were larger than my paycheck. In XX/XX/XXXX, I received the first call from a collection agency. I told them that I would only deal with the original creditor. Over subsequent years the debt was sold to a different collection agency, and then later to a third one. Yesterday, I got a call from a blocked number telling me his name was " XXXX '' and the he was a private processor attempting to deliver me a summons for a civil suit in XXXX County against me. He gave a number for a so-called XXXX XXXX XXXX XXXX XXXX and a case number. ( The case was actually non existent, according to XXXX County. ) When I called the number a " secretary '' answered and asked for my " case number ''. I asked to speak to the " attorney '' handling my case. He told me that a suit had been filed against me for {$3300.00}. When I began to ask more questions such as how the amount was calculated the " attorney '' became evasive. He told me he recognized that I was trying to " set him up '' or that I was " fishing for information ''. I informed him that by Texas law the amount in dispute is way beyond the statute of limitations and is unenforceable. He became quite nervous and defensive and told me he did not want to say anything else and hung up the phone.
Consumer complaint received 2019-08-22
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)

I checked my credit report on XX/XX/XXXX and noticed that a fraud alert had been placed on my file without my knowledge nor authorization beginning XXXX. I sent a letter via certified mail along with my driver 's license and a copy of my utility bill on XXXX requesting for the fraud alert to be removed. I received a letter from Experian dated XX/XX/XXXX basically stating I needed to send my written request again along with the same information I sent before with additional information.
Consumer complaint received 2019-02-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (IN)

On XX/XX/XXXX at XXXX, I spoke with a rep by the name of XXXX ( Emp ID : XXXX ) about the termination of my XXXX services due to a violent change in my relationship status. I was told that all early cancellation fees and service charges would be waived as a courtesy and was given a cancellation number of XXXX. This was okayed by a supervisor after being on the phone with the " Loyalty Department '' for over an hour. Today, I was contacted by Credence Resource Management by an irate " manager '' by the name of XXXX XXXX demanding payment on the aforementioned XXXX account for {$510.00}. I informed him that I was told by XXXX that no payment would be due on the account due to my extenuating circumstances. I was also contacted cy Credence on XX/XX/XXXX about the same issue and informed them of the same. This company has refused to supply me with proof that this is even a valid debt, which it IS NOT, and are telling me my current address is one where I lived at 6 years ago.