davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act .The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
A XXXX XXXX account reporting to my Equifax credit report, has directly has violated my rights. 

I looked at my Equifax credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX  ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-03-23
Product: Credit card — 
Issue: Rewards — 
Company: TD BANK US HOLDING COMPANY (OH)

I applied for and received a TD Bank credit card in XXXX 2014. The card promised unlimited cash back on grocery store spending for six months. When I tried to use the card for several XXXX purchases, they placed my account under review. When I called the fraud department, I verified all attempted and completed charges, paid my bill in full, so no fraud risk. My account has been under " review '' for 6 weeks now with no explanation and not released for use. I have called XXXX times and get no explanation or a call back to tell me what is exactly under review. I believe TD bank is employing this tactic to prohibit card holders from utilizing their advertised rewards program maliciously.
Consumer complaint received 2015-05-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: I.C. System, Inc. (TX)

I received a letter from IC System back in XXXX XXXX, 2015 stating that I have a balance due from XXXX XXXX XXXX. I was shocked and researched the issue with XXXX XXXX XXXX immediately. XXXX XXXX XXXX confirmed with me on the phone and in writing that I did not owe them any balance and the communication from IC System is incorrect. Then, I contacted IC System to explain the situation to them on XXXX XXXX, 2015 and the representative ( XXXX ) advised me to mail them a dispute letter. Then, I did mail IC System two dispute letters. After I sent the dispute letter, I follow-up with IC System three times on the phone on XXXX XXXX, XXXX XXXX and XXXX XXXX, 2015. IC System advised me that the status is pending the response from XXXX XXXX, but they will not report my file to the credit bureaus as they still need to do a investigation. However, I just realized they reported my file to the credit bureaus few days ago without clarified my account with XXXX XXXX XXXX. I called IC System today, XXXX XXXX, 2015 and seeking for help. Their response to me is I am sorry they can not do anything about it, I can dispute that from the credit bureaus if I want to. I believe the whole process make me very frustrated and helpless because of the mistake of a billing.
Consumer complaint received 2015-08-09
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (CA)

I sent {$200.00} to my brother in law XXXX XXXX XXXX in XXXX XXXX on XXXX XXXX. Western Union XXXX WU XXXX placed a hold on funds requesting further information for the reason that XXXX XXXX name is on the sanction list. I provided copy of XXXX XXXX 's Passport, ID, Address, DOB, Employer, Employment, Place of Birth information. I call 7 times to check the status of this money transfer. But each time, Western Union would give me run around. Following are the different responses I received from WU:1. Stating that hold is being worked on by a certain Government Agency and there is nothing WU can do about it. 
2. Oh, we never received your email and documents3. Please provide us information about his employer4. Resend us documents5. We will call you ( they never did ) At this time, I just want my money back. And I will be very upset if they keep their {$10.00} fee
Consumer complaint received 2015-04-14
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Consolidated Management Group, LLC (TX)

Someone named XXXX XXXX, phone number XXXX called my cell phone on XXXX different occasions and left voice mails stating he was calling for " verification request for a valid address and name of employer to process a claim against me with the Attorney General for claim number XXXX. '' He also stated I needed to call XXXX to resolve this issue ''.
Consumer complaint received 2015-12-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (VA)

recently I noticed that an amount of {$89.00} has been deducted from my checking account at PNC bank on the XXXX of every month from XX/XX/2015. I made several calls to PNC bank to identify who isa taking my money. At first PNC ban told me it was XXXX XXXX. I checked to make sure XXXX has not been taking money from my PNC account. I called PNC banks again to say that and I dont know who has been taking my money. I told them I need to know the company and theit TP number but they kept telling me they dont have that info., I found this bizzare. So I lost almost {$270.00} from my PNC account but PNC cant tell me the XXXX no or the merchant. Please help me to recover these funds that I work 6 days a week to earn. Thank you so much
Consumer complaint received 2015-12-07
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Back on XXXX XXXX, 2015 I purchased a cell phone from XXXX XXXX using my credit card. When the phone did not arrive, I called to file a dispute on the XXXX of XXXX. I was issued a temporary refund to my account. I always make the habit of paying off my balance as soon as the charges clear the account before the statement is processed, so I paid the charge of {$1000.00} already back in the beginning of XXXX, but as of XXXX XXXX, I noticed the refund was taken away and I was rebilled for the charges of {$1000.00} and I am being asked to pay them XXXX even though I still do not have the merchandise that I originally paid for. I called several supervisors who claimed that a mistake was made and that I recieved XXXX charges and XXXX credits that should have cancelled each other out, but they would do nothing the correct this issue and I was forced to pay the {$1000.00} back to the credit card company to avoid a negative consequence on my credit report.
Consumer complaint received 2015-05-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Maury Cobb, Attorney at Law, LLC (ND)

I keep getting phone calls from XXXX XXXX XXXX. I want them to stop. 

XXXX shows they areXXXX XXXX ATTORNEY AT LAW XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX : XXXXXXXXXXXX : XXXX : XXXX : XXXX : XXXX? XXXX
Consumer complaint received 2016-02-24
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO. (PA)

I have a Chase credit card that I noticed my balance on XX/XX/2016 was {$4100.00}, today XX/XX/2016 it rose to {$4200.00}. There has not been any purchases or activity on this account for several months. Chase is increasing the balance, without good reason, even though I paid {$130.00} last month.
Consumer complaint received 2015-03-23
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A. (NY)

On XXXX/XXXX/14 at XXXX XXXX XXXX, XXXX, XXXX, Citibank alerted me to XXXX suspicious withdrawals in the amount of {$200.00} and {$300.00}. I was in XXXX at the time and did not make these withdrawals. My Citibank card was in my possession and no one else has access to my account. I immediately filed a claim and changed my passwords. I expected to be reimbursed quickly but have been denied several times, even after filing a police report. 
Citibank has violated the Electronic Fund Transfer Act and Regulation E because Citibank was notified of the unauthorized transfer within 2 business days of learning of the theft of the access devise yet your liability exceeded {$50.00}. 
Citibank 's failure to provide adequate data security, to negligently allow my account to be vulnerable to theft and to illegally refuse to credit my account for the full amount of the theft identified by Citibank is an unfair, deceptive and abusive banking practice. Their inadequate and ineffective investigation of my claim has caused significant emotional and financial distress. Customer Service has given me inconsistent information unduly delaying the claim review process.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX Ex-husband was awarded the family home along with the responsibility of securing a mortgage in his name. A quit claim deed was filed in XXXX XXXX, Florida public records surrendering my rights to the property. XXXX ex-husband stopped making payments for approximately 2.5 years. A loan modification was granted by a third party which used my name and wages to secure the modification. XXXX modification Modification payments have been delinquent since XX/XX/XXXX and once more tarnished my credit rating. The modification of mortgage extended the loan to 44 years without my knowledge or approval. Yet, my credit is impacted by a debit that required a quit claim deed to release all rights to the property. How can this allowed?
Consumer complaint received 2015-08-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Franklin Collection Service, Inc. (DC)

I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 
This item ( FRANKLIN COLLECTION SERVICES, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX ; XX/XX/2009, XXXX, ACCOUNT NUMBER : XXXX, INDIVIDUAL ACCOUNT, {$180.00} ) is inaccurate because Medicare-XXXX General Information : ( " XXXX. We are a doctor 's office and heard that we can not bill people with both Medicare and Medicaid, even if we do not participate in Medicaid. Is this true? 
XXXX. For services that are covered under Medicare, you can not bill a Qualified Medicare Beneficiary ( QMB ), even if your office does not accept XXXX. A QMB is someone whose income does not exceed 100 % of the XXXX XXXX XXXX and who is eligible for XXXX paying Medicare premiums, deductibles, and coinsurance for both Part A and B. 
Even if the person signs a document accepting liability for any treatment costs, you still can not bill them, as QMBs can not waive this right under XXXX. Providers who bill a QMB for costs above the Medicare and XXXX payments ( even when XXXX pays nothing ) are subject to sanctions '' ). ( XXXX ). I am requesting that the item be deleted to correct the information. 
Enclosed are copies of ( Partial XXXX Credit Report with item circled, ) supporting my position. Please reinvestigate this matter ( s ) and delete or correct the disputed item ( s ) as soon as possible.
Consumer complaint received 2015-04-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

MY MORTGAGE LOAN HAS HAD XXXX DIFFERENT SERVICERS IN ABOUT A ONE MONTH TIME FRAME. BECAUSE OF THIS, SERIOUS ERRORS WERE MADE WITH MY REQUEST FOR MORTGAGE ASSISTANCE. I HAD INITIALLY APPLIED FOR MORTGAGE ASSISTANCE WHEN MY SERVICER WAS XXXX. MY FILE WAS IN REVIEW. ON XXXX/XXXX/2015 MY LOAN WAS TRANSFERRED TO XXXX XXXX. XXXX DID NOT TRANSFER MY MORTGAGE ASSISTANCE DOCUMENTS. A FEW DAYS LATER, MY LOAN WAS TRANSFERRED AGAIN TO BSI FINANCIAL. ONCE AGAIN MY MORTGAGE ASSISTANCE DOCUMENTS WERE NOT TRANSFERRED. BSI FINANCIAL WAS INFORMED THAT THERE WAS A COMPLETED PACKAGE FOR MORTGAGE ASSISTANCE. BSI PREFERS TO IGNORE THIS FACT. NO DECISION WAS MADE ON MY REQUEST FOR ASSISTANCE. IF MY REQUEST WAS DENIED, I WAS NOT PROVIDED A 30 DAY RIGHT TO APPEAL.
Consumer complaint received 2015-12-06
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (TN)

I have a private and federal loan with Navient, formly XXXX XXXX. Recently, I contacted them to reset my loan amount payments based on my income and to defer the payments since I 'm back in school full time. I was told they can defer payments on the federal student loan for 3 months, but it would cost {$50.00}. Otherwise, I have to continue to pay {$89.00} because I do n't have the option to base the payments off my income with either the federal or private loan which as an additional {$100.00} ea month. I 'm confused because this is a new law that was passed regarding school loans. Yet, you contacted this loan providers, and they tell you that you are incorrect. I 've had issues with the company before, and it continues. I 'm currently unemployed, and I 'm back in school XXXX. This company continues to draft payments on XXXX loans each month and threatens if I do n't pay them it will be reported to the credit bureau.
Consumer complaint received 2015-12-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (NY)

XX/XX/XXXX I opened up a joint TD Bank account ( with my mother ) for use while I was studying abroad. XX/XX/XXXX I took out the balance from the bank account, walked into TD Bank and asked to close my account. The teller led my mother and I to a banker who reviewed the account information, and said that we do not have to do anything else but 'cut up our debit cards and discard them '. Since there was a XXXX balance on the account, he will close it. After that date, I would receive statements from TD Bank. After contacting them several times, I was told that they are unaware of why I am receiving statements since there was a XXXX balance and I closed my account. I walked into the TD Bank on XXXX XXXX and XXXX XXXX in XXXX and asked to speak to a Banker to handle this issue. The Banker could not find my account information and said that it was closed. At which point I asked to speak to a supervisor. The supervisor was not present and I was told he will reach out to me after I provided my information. I stopped receiving statements and assumed that the issue was handled. At the time I was in college and was aware that I should documented this situation with more rigor. 

Today my husband and I decided to apply for a mortgage and after checking my credit history, I was told that my score is XXXX because I have {$41.00} outstanding as part of collections on that account. The {$41.00} is related to overdraft fees because I had no money in the account ( when the bank account required a balance at all times ). I have never received notice of collections related to this account. Furthermore, I have done everything in my power to close the through TD Bank and was misinformed throughout the entire process. This has now wrongfully affected my credit score and I was mistreated as a consumer. I am a working individual with XXXX debt, but I refuse to pay the {$41.00} as it was wrongfully incurred and should be removed completely from my credit history.
Consumer complaint received 2015-05-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (NH)

On or about XXXX XXXX, I received notification from PennyMac, my mortgage company that they were going to increase my monthly mortgage payments because my escrow balance for property tax was too low, based on their ESTIMATES. I know approximately what my tax payment will be, and what they are asking I felt was unreasonable. At that point, I contacted PennyMac and said that I would take care of paying my own property taxes and that I wanted the funds held in the escrow account returned to me. I 've have since contacted them XXXX more times, and most recently last Thursday, I spoke with supervisor, XXXX XXXX, stating that they had 48 hours to return this money in the amount of {$1800.00}, at which point I was going to both contact my attorney and the CFPB. She stated that they could not get the money to me in 48 hours, but that she would see that it got into the mail in 48 hours ( with electronic banking and based on the fact that I make electronic payments to them, there really is NO REASON why I should not have this money within 48 hours - they could do it by direct deposit to my account ). I stopped paying money into the escrow account beginning with my XXXX payment. It has been almost a full month, and as of today, I have received nothing from them and am still showing the {$1800.00} still held in the escrow account. XXXX XXXX said that she would contact me by phone when the funds were in the mail. As of today, XXXX XXXX, I still have not heard from her. I 'm upset not just because of this, but also because I 've had to contact them several times since they assumed my home loan from XXXX XXXX XXXX, which I felt was a reputable mortgage company, immediately after I took the mortgage on XXXX XXXX, 2014. I do n't know why they sell of mortgages to these upstart companies, but I 'm very dissatisfied with this fly-by-night organization.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

Recently i did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. 
I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of XXXX  :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2015-12-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

I have several accounts with JP Morgan Chase. I received a notice on XXXX/XXXX/2015 that my mailing address was changed. I have been using my P O Box address for more than 10 years. In fact, I never requested to change my mailing address at all. Chase changed it without my approval and authorization and claimed that is " a protection to me '' which I totally disagreed. I called on XXXX/XXXX/15 and talked to XXXX ( supervisor of CA Banking ) and opened the case number under # XXXX. I needed to know who made such mailing address changed requested without my approval. That is the reason XXXX opened a ticket and someone would contact me. XXXX/XXXX/2015 a research support lady name XXXX XXXX at XXXX x XXXX called me. She is not helpful at all and claimed changing address from my mailing address to my residence address without my authorization is legal and is a protection to me. I totally disagreed. Customer has the right to use different address and bank shall respect the customer 's decision. I never request to change and someone changed for me and XXXX still claim that is legal and benefit to me and not feel nothing wrong for Chase 's overwrite at all. In addition, she kinds like a threaten to me by saying " Do you want to have a banking accounts with Chase? '' Sounds like if I do n't satisfy that changed address without authorization and I should cancel and close all my accounts with Chase. That is so ridiculous and unprofessional. I told her that I will file complaint to CFPB because that is totally unacceptable manner.