davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BCA Financial Services, Inc. (FL)

Accts # XXXX Due {$30.00}, XXXX Due {$30.00}, XXXX Due {$30.00}, XXXX Due {$30.00} I have received your mailed in Medical Statements including PERSONAL HEALTH RECORDS of this individual. You are in direct violation of HIPPA. PLEASE ALSO ATTACH COPIES OF : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 )  BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XX/XX/XXXX ( HITECH Act ) as issued XXXXXX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX.
Consumer complaint received 2017-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery Associates, which i hold no contract with & have never had any business affiliations with, reported a collection to y social security #. A debt in the amount of {$690.00}, has been reported to XXXX, XXXX & XXXX credit reporting agencies. I have requested validation of this debt on X/X/17, but Portfolio Recovery Associates have failed to respond to my request. And have yet to give any adequate proof.
Consumer complaint received 2017-08-08
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. (MO)

I had a bankruptcy in XX/XX/XXXX. This bankruptcy was discharged 9 years ago. I have attempted numerous times through XXXX and Equifax to have this removed from my credit reports and both XXXX and Equifax refused to remove this past bankruptcy. The most recent dispute that was declined with XXXX was XX/XX/XXXX and the most recent for Equifax was on XX/XX/XXXX.
Consumer complaint received 2023-06-07
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. (FL)

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 XXXX  Account # XXXX Open Date XX/XX/2018 Balance {$15000.00} 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-06-07
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: EQUIFAX, INC. (GA)

I have been in contact with all three credit bureaus regarding an authorization by XXXX XXXX XXXX in the amount of {$240.00} on XXXX/XXXX/2023. This was a deposit for a car I was purchasing, but that fell through and I was then due to have the authorization reversed and the {$240.00} made available in my account. The merchant posted a separate charge for {$240.00} that same day, instead of releasing the initial authorization. Both transactions were done using my XXXX XXXXXXXX XXXX XXXX XXXX with a {$400.00} limit. At this point, I had {$240.00} taken out of my account for the authorization hold, and another {$240.00} posted as a charge - putting my card at {$490.00} ( or {$98.00} over my limit ) and my credit utilization at XXXX XXXX, which resulted in my credit dropping nearly XXXX points with all 3 bureaus. As soon as I noticed this, I paid off the credit card on XX/XX/2023 to a {$0.00} balance, and was issued an additional credit from XXXX which gave me {$400.00} credit + {$240.00} on my XXXX XXXXXXXX XXXX XXXXXXXX. I went from a XXXX down to a XXXX when XXXX XXXX XXXX reported the XXXX XXXX credit utilization to the three bureaus on XX/XX/2023, despite the fact that my balance was at {$0.00}, and my credit utilization was also at XXXX XXXX As of today - all three credit bureaus still show I am at XXXX XXXX credit utilization, and I still have an outstanding balancd on my credit card of {$390.00}. They STILL haven't updated the balance and the credit utilization, although XXXX XXXX XXXX told me they reported my {$0.00} balance on XX/XX/ 2023 to all credit bureaus. The thing that is most upsetting is that my credit score took a nose dive due to a mistake that XXXX caused when they charged me a second time, putting my credit utilization at XXXX XXXX - and none of the credit bureaus have corrected this NOR have they issued back the credit points I lost because of this.
Consumer complaint received 2023-06-07
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. (GA)

I believe that I am a victim of fraud and/or identity theft. For the past two years, the thieves have made my life a living nightmare. Performing 'normal ' financial activities have been an uphill battle and I am writing to dispute the following items on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or someone pretending to be me. I never authorized, used, or benefited from these accounts or transactions in any way. Please validate this information with the XXXX XXXX XXXX XXXX XXXX and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX # XXXX # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2023-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc. (TX)

This debt collector used unfair, abusive, and misleading tactics, all of which are against the FDCPA. They provided this account, on which neither I nor we could reach agreement. Two parties sign a formal contract, and I was not a party to any of the signings. Additionally, they didn't adhere to the correct five-step validation process, which makes their actions unfair. I am entitled to {$1000.00} under the Fair Debt Collection Practices Act ( FDCPA ), and it is obvious that my rights were violated.
Consumer complaint received 2017-08-07
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

I '' m filing this complaint against Wells Fargo N.A. for failure to engage in loss Mitigation. I was under approve for a modification in or around XX/XX/XXXX shortly after I started making payments. I was forced to retire from my job and I apply for my Social Security, which gave me a big reduction in my income. Which caused me to default. Now Im facing foreclosure which was file on XX/XX/XXXX. I engaged help from a HUD train Housing Counselor to help me get my modification reinstated. After we contacted Wells Fargo to request that my modification be reinstated along with my Housing Counselor they refused to work with me claiming that my loan was under ligation. She explained to them that my loan was in foreclosure and still under to redemption period Im trying to save my home. They totally refuse. My housing Counselor explained to me that she involved in a civil suit with Wells Fargo and she believes that was the reason why they claiming I was involved as well. My counselor informs me to made the call myself. I made a second call on XX/XX/XXXX to Wells Fargo they were very persisting about not being able to help due to the ligation. Upon asking which ligation they were referring to they fail to answer. Well Fargo demand that I seek out a lawyer, once again I ask the same question why do I need to hire a lawyer for a modification. They reply by saying because of the alleged ligation Im supposed to be involve in. Them they proceed to demand who am Im working with. Since they refuse to give me information concerning this ligation I refuse to tell them who Im working with. I feel like they have violated my civil Rights they are discriminating me due to my housing counselor, yes! I want to keep my home. Please HELP
Consumer complaint received 2017-08-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

The problem lies in the fact that the interest rate is more than my payment, I can not afford double payments and with my minumun payment they are still charging me {$400.00} per month in interest. I have had a student loan for over 20 years now and no matter how I try to pay it off- ll it does is increase. I had many deferments and the company kept charging me interest on the loan. My loan has increased over 20, 000.00 in interest alone. When I contact the company for help all they offer is a plan with lower payments and that does nothing when interest is still collecting. I also am supposed to renew my loan terms yearly and never receive anything in the mail, and they make it difficult to do this.
Consumer complaint received 2017-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On XX/XX/XXXX I accessed my online banking account to view a payment that was scheduled to be paid from my CA, to my car company ( XXXX XXXX ). My online banking did not show that a payment wasdue to come out, so I set one up -- never getting a notice that 2 payments were scheduled for the same company on the same day. On XX/XX/XXXX, I received an email notification that 2 payments had been  processed. I immediately called XXXX and was told to have a stop payment placed. I went to my local branch immediately and was told that a request for a stop payment was sent and would be stoppedon XX/XX/XXXX. This process did not occur in office until XX/XX/XXXX, as which time the payments were already in XXXX XXXX possession. A dispute was placed by my local branch to attempt to recoup those funds, however, I was told that since the stop payment had an order dated XX/XX/XXXX and the funds were processed  on XX/XX/XXXX that the stop payment failed and would not be processed. My acct is never negative, I 'm never overdrawn. I do however, have overdraft protection with my savings account -- which they drained for fees and to cover other payments that I have come out bi-weekly. My local branch was kind enough to refund what charges they could, but my account still remains negative. So, I 'm not out ~ XXXX because of 5/3rd 's negligence and poorly designed customer website. I 've been re-routed multiple times to many different divisions to no avail. I would like my money back.
Consumer complaint received 2017-08-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Utah Billing & Recovery Services (SC)

Greetings. I was totally naive and gullible. i was asked to join and i told them i do not have a job in the year XX/XX/XXXX and XX/XX/XXXX..so i told them, the day i joined within few weeks, i wanted to withdraw- the agent agreed but i did not know they send totally to collection This is against ethics, integrity ... This does not make sense They were trying to play games on naive or gullible and too honest, direct, ethical upfront now i am trying for a very important job and this is showing in the report i am really worried what will happen it has never happened they are not honest and we can not contact them according to the lady who called me also
Consumer complaint received 2016-06-26
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc. (OH)

I took out a loan from XXXX XXXX XXXX with a loan company from CPS located in CA. 
I was late on my payment so the rep was setting up payment arrangements and they repoed the car. I have been trying to reach someone to get my belongings out the car but no reponse to where my car is.
Consumer complaint received 2017-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX # XXXX lists me as " Paid was 90 '' or delinquent 90 days. I was NEVER delinquent. I had applied for deferment. I called them to confirm they had my paperwork. They confirmed it. I called again later and then they stated they could n't find it. I told them to look again and they found it. The paperwork was turned in timely and before the deadline. The account has been transferred and is being reported multiple times. It should be removed due to inaccuracy and duplication. It is impacting my credit and I was denied a home loan.
Consumer complaint received 2017-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I paid the XXXX Collections third-party half of the balance owed to XXXX and I paid the remainder of the balance in full directly to XXXX back in XXXX 2017 and on all ( 3 ) Credit reports I am seeing Paid in Settlement when it should reflect a status of : Paid ; Closed!!!!!!!!!!!!!! I am seeking Assistance regarding this matter with getting Experian, XXXX and XXXX to accurately reflect the account status o my Credit Reports!!!!
Consumer complaint received 2017-08-08
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

previously and on X/X/2017 XXXX XXXX XXXX XXXX called my work place XXXX XXXX XXXX making threats to my boss and giving personal info. this action almost got me fired. the claims are unfounded, there trying to collect on a debt over 9 years old and statue of m limitataions has already ran its course.
Consumer complaint received 2017-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Io, Inc. (PA)

I disputed an account on my Credit report through XXXX for company Receivables management Account Number XXXX. XXXX did their research and Receivable management DELETED ths account from my XXXX report see attached corrected credit report from XXXX. However Receivable management still is reporting on my XXXX and XXXX credit reports which is hindering my selling my home and getting a approved for a new mortgage. I have contacted the office directly and received correspondence from XXXX XXXX and XXXX XXXX advising they have been trying to contact me and the debt was VALID this is false they have NOT been trying to contact me and the debt was not valid it was disputed after I paid this bill at time of service. How can they delete from one credit report and now still report on the remaining two. I am very frustrated and hoping your company can assist me before I have to seek legal counsel. Also they are reporting different amounts on EACH of my remaining reports which also conflicts with the correspondence they mailed with me with amounts being owed.
Consumer complaint received 2023-06-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

XXXX {$600.00} to wrong phone number using Wells Fargo XXXX. 
Wells Fargo refuses to refund. 

This situation is expressly addressed in Consumer Financial Protection Bureau 12 CFR Part 1005 - Electronic Fund Transfers Regulation E. 
Mistakes a remittance transfer provider is responsible for correcting include : Delivery of funds to the wrong recipient ( This is the last of five items listed )
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (VA)

I took advantage of a credit card advertisement for the Chase Freedom Unlimited card because I am doing some property improvements, and they advertised great points and no interest for 15 months. I applied and opened an account in XX/XX/2023. 

A few weeks later, I received a strange letter in the mail ( nothing was posted online ) about verifying my SSN. I thought it might be a scam. I called in late XXXX and spoke to a customer service person ( first to ask to reverse late charges b/c I missed my first automatic payment by a few days ) and asked her about the state of my account. She assured me that there was not any information missing, and that my account was in good standing. She actually stated that the letter I receive must have been a scam. 

I then actually accidentally paid off the entire amount of my account in early XXXX ( I meant to just pay the minimum ), and shortly after that, I received a message that my account was closed. I called customer service again and was informed that my account was apparently closed because Chase needed some information that I did not send. I asked if I could re-open it because I wanted to use the card and did not want my credit dinged again b/c they should not have closed my account. I also explained what the previous customer service agent told me. I asked to speak to a supervisor who then told me that she was re-sending the form and could re-open the account if I faxed it back. I have never received the form she supposedly was sending at the end of last month. 

I contacted customer service again today and was told that my account was closed and I could re-submit an application, but that they would check my credit again. This is not acceptable. 

I would like to have this credit card, and I should not have to have another ding on my credit to re-open the account. This company is engaging in unfair and unethical business practices.
Consumer complaint received 2023-06-06
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: EQUIFAX, INC. (AZ)

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX  Account Number XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current
Consumer complaint received 2017-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Experian sent me a copy of my credit report with no scores and no deletions of errors on XX/XX/XXXX. I checked all the inaccuracy with a check mark and also implemented and added it the correct information on my credit report. I sent the copy of corrections by US Postal Mail Priority mail to Experian on XX/XX/XXXX Priority Mail. Evidence is submitted to Federal Government filed complaint..