davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-01
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX XXXX - account number- XXXX XXXX  XXXX - Account Number- XXXX XXXX - Account Number- XXXX XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX- Account XXXX XXXX- Account XXXX XXXX- Account XXXX XXXX XXXX- Account XXXX XXXX XXXX XXXX Account Number- XXXX XXXX XXXX  XXXX XXXX -Account Number- XXXX XXXX XXXX XXXX XXXX- Account Number XXXX XXXX XXXX XXXX XXXX- Account XXXX XXXX XXXX - Account XXXX XXXX  XXXX XXXX- Account XXXX XXXX XXXX- Account XXXX XXXX XXXX XXXX XXXX- Account XXXX XXXX XXXX XXXX- Account XXXX XXXX XXXX XXXX, XXXX - Account Number XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX Account Number- XXXX XXXX XXXX- Account XXXX XXXX XXXX Account Number 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2022-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (RI)

Hello. I received notice from my mortgage company ( Chase ) on XX/XX/16 that my monthly mortgage payment was increasing by {$780.00} per month due to a shortage in my escrow account. Upon researching why this happened, Chase acquired my mortgage from XXXX XXXX ( who I originally took the mortgage out with ). Previous property tax bills had always been quarterly, yet Chase made an annual payment creating the shortage. I reached out to Chase to explain why the shortage was there and try to figure out why my quarterly property tax payment was paid in one lump sum instead. I asked that the repayment of the escrow shortage be stretched out over a longer term as a {$780.00} per month increase is ridiculous and unaffordable. Chase 's reply was that I could write a check for the full amount of the shortage ( approx. $ XXXX ) to reduce my monthly payment or I could repay a portion of it and reduce my payment as well, but they would not extend the length of making up the escrow shortage. This is despite the fact that they changed the way the escrow account was managed from my original mortgage company. ( They've since said they'll pay the taxes from the account quarterly, but I have to make up this escrow shortage over the next 12 months ). Having never been late on a mortgage payment, I find the inability of Chase to extend the time period to cover the escrow shortage ridiculous. Expecting someone to pay an extra {$780.00} due to a mix-up on Chase 's end is unacceptable as well. We're now forced into trying to figure out where we're going to come up with this extra money each month so as to not lose our home. I understand mortgages can be acquired from who you originally take the mortgage out with, but the terms/managing should not be altered to the extent a monthly payment increases {$780.00} per month!!!
Consumer complaint received 2022-08-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (VA)

I'm the co-signer with a Navient account. This loan started in 2008 at {$15000.00} and now the balance is {$11000.00}. I have automatic deduction from my bank account. The accrued interest just went up this month to {$54.00}. My payment is {$130.00}. The interest rate went up to 5.75 %. I had no warning. I called about this today and the person helping me ( kids playing in the background ) just kept repeating what was on my bill over and over. At this rate, I will be dead before it's paid off. She let me know my interest rate was better than most people. If this was a car loan, no one would buy a car. I just had to vent.
Consumer complaint received 2023-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

I contacted Resurgent Captial Services several times to validate the alleged debt of {$3900.00}, Account # XXXX. Yet, I continue to receive letters from the agency that do not validate the alleged debt and have reported invalidated debt in my credit reports, a violation of the fair credit act ( 15 USC 1692g Sec. 809 ( b ). 
2 : RE : Account # XXXX The collection even stated that the summary of the account is not a credit card and not from the original creditor and continues to harass me on debt they can not validate and has no right to collect.
Consumer complaint received 2022-08-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (KY)

I tried to make a transfer and accidentally used huntington bank. The bank never lost funds and the money was never transferred successfully. I did eventually get the money from the right account that had nothing to do with huntington. There was not enough funds to cover the transfer yet Huntington still double charged me in fees XXXX for total of XXXX. After seeing this I tried to reverse the funds but they would not. I then communicated with them that the account is now closed and I would not be doing business with them. A couple weeks later I get a problem with someone sending money to that account on accident. The account was not closed and so they accepted the money and deducted it from what I " owed '' them. I told them this should not have happened and that they need to reverse the funds because the account was closed weeks before. They are now acting like they cant do anything and just wasting my time and stealing money that is not theirs.
Consumer complaint received 2022-08-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (PA)

We got phished during our wire transfer to purchase our house. We received an email from our title company advising us of our wiring instructions in the secure XXXX portal. Within hours, I received an email from a person posing as our title officer, who after a brief but logical email correspondence, sent new wiring instructions including a different bank account. I ultimately sent the money to the fraudulent account and upon realizing it the following day, we filed a police report, and notified the bank. An investigator from our bank, XXXX XXXX  XXXX, immediately sent a request to J.P. Morgan Chase to stop and recall the wire. Chase failed to respond. This occurred on XX/XX/2022. An actual investigator with Chase has yet to respond to our complaint and request. Rather, an automated response was sent XXXX weeks after filing the paperwork, where Chase requested that I contact the fraudsters to ask for my money back because it was sent in error. From the law enforcement end, we received back subpoena results showing that our money was still in the Chase account when we filed all appropriate documentation. Had Chase responded in a timely manner, the money could have been frozen and returned. Instead, it appears to have been dispersed to various accounts. We are exploring who's email list could have been hacked because the fraudsters created cloned email accounts posing as individuals who received the same email notification from our title agency who utilized XXXX.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have attempted to reach out to XXXX  on multiple occasions. Multiple accounts are being reported inaccurately. MY credit card reported XXXX dollars more then value of the card, My pay day loans continue to reflect closed which should reflect revolving accounts. My Vehicle XXXX  XXXX XXXX was paid in full but reflecting closed, My signature loan shows closed, A closed account can reflect as a negative account. I have been deligently trying to work with XXXX to recitfy my concerns, but it seems to be passed on, A closed account is an account that can no longer be used to make charges, while a paid in full account is a closed account with a XXXX balance : Closed account An account that can no longer be used to make charges, but it may or may not be paid in full. A closed account can remain on your credit report for up to 10 years. The account information will show if there is a balance and whether the account payments were current, late, or had been late. 
Paid in full An account that has been closed and has a XXXX balance. When a loan or a closed credit account are paid in full, they should be reported as such on all of your credit reports.
Consumer complaint received 2022-08-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I had complained in the past, case number XXXX. 

This company, without giving nay proof, gave statement to you guys to get the case closed. As per their statement, I never received any document. You should ask them to send you guys their documents and attached it here in this complaint. 

This was company 's response, but never Any Document was received by me. They need to send the Document to you guys. The client they are claiming, I had contacted them, they didn't have any past due record. 

" Company 's Response We have reviewed our records in this matter, and find the following. Our client, XXXX XXXX XXXX and XXXX, is a provider of emergency room physician services at XXXX XXXX XXXX XXXX XXXX XXXX, FL. The account in question was placed for the collection of an outstanding balance of {$1400.00} on XX/XX/XXXX. The charges stem from services that were rendered to the consumer 's minor child on XX/XX/XXXX. We have verified with our client that he information being reported is accurate, and have reported the account as in dispute with the credit bureaus. We have requested that validation of the debt be mailed to the consumer. '' Need to be stopped.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AZ)

This past spring, while applying for a refinance for my home, my credit score dropped causing our lender to require Private Mortgage Insurance.

Now I read that during that time Equifax sent the wrong scores to lenders.

I want Equifax to correct their error and either reimburse me for the additional costs or convince my lender to drop the PMI and refund the extra fees.
Consumer complaint received 2022-08-05
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. (NJ)

I am the victim of identity theft. Someone opened a credit card and applied for credit using my social security number. Equifax has been sent a copy of my driver 's license, W2, utility bill, identity theft police report, and a notarized FTC Identity Theft Victim 's Complaint and Affidavit numerous times and refuses to delete the fraudulent inquiry made by XXXX, on XX/XX/2022. I finally received a letter from Equifax, dated XX/XX/2022, that indicates the inquiry had been deleted. I checked my credit report and it remain under the hard inquiries. I called Equifax, on XX/XX/2022, and the indicated they would correct the issue. I received my report and received the following response : following " inquiries are a factual record of file access and will remain on the Equifax credit file 2 years from the reported date of inquiry of XX/XX/XXXX XXXX XXXX. ''
Consumer complaint received 2022-08-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (TX)

I was recently alerted to an account in collections to the sum of {$5000.00} ( est. ) that is not mine. In XX/XX/2020 I had the XXXX and went to the ER for XXXX and was released within a few hours. I received a bill of {$1200.00} after insurance coverage and paid it promptly. I never received any other bill but received scam-like calls asking for random and different amounts owed that were unprofessional and did not seem credible. Ive also received text messages and mail saying Ive been enrolled in a XXXX XXXX XXXXXXXX XXXX  ( XXXX ), and Ive absolutely am not in school for anything medical related, nor any other type of schooling. I believe my information was compromised during that visit to the ER and believe this debt is Fraud-related.
Consumer complaint received 2022-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (SC)

I ordered a XXXX XXXX 's heated vest in XX/XX/2022. I received the vest early XXXX and it did not fit and did not heat. There was only a small card in the package that said " Contact Us '' with an email address " For all questions concerns or warranty exchanges ''. I contacted them on two separate occasions for instructions on how to get a refund and instructions on return of the vest. Received no response. I then left 3 messages on the phone number listed on their website. After filing a claim with Barclays bank, they gave me a refund while they disputed the claim. I then heard back from Barclays that they contacted the vendor and charged my account back for {$80.00} as I did not return the vest and " Chargeback Reason is Not as Described or Defective Merchandise/Services. Merchandise or Service matched what was described. ". I then wrote to Barclays after speaking with a Rep on the phone and they told me to document the claim and fax it to XXXX. I did that and never heard back from them either. They still have not refunded my money. I have documentation of the emails and letters. I should not be responsible for defective merchandise. They indicated that it was not defective, but if they don't have the merchandise how can they make that claim?
Consumer complaint received 2022-08-05
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. (MD)

Equifax has assumed its vital role pursuant to 15 USC 1681 ( a ) ( 3 ). Equifax has not been exercising its grave responsibility with fairness, impartiality, and respect for my consumer right to privacy pursuant to 15 USC 1681 ( a ) ( 3 ). Equifax has not used reasonable procedures in a manner that is fair and equitable to me as a consumer pursuant to 15 USC 1681 ( b ). I want all accounts and inquiries deleted from my consumer report IMMEDIATELY pursuant to 15 USC 1681b ( a ) ( 2 ).
Consumer complaint received 2022-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf in regard to the information on my credit files. Fraudulent applications were submitted under my name or my identity without my consent to obtain goods or services. The items I need deleted are listed in the report. I am a victim of identity theft and did not authorize any of the following charges/inquiries on listed in this report and on my credit file. I reported the theft to the Federal Trade Commission, and I have also enclosed copies of the FTC identity theft affidavit. I am requesting that the following items on this report be deleted immediately. The following inquiries I need to be deleted are listed in the report and attached to this statement : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-05
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pressler & Pressler, LLP (NJ)

I have spoke with this company multiple times, i set up monthly payments of {$150.00} a month which i was paying, i had to unfortunately had to get another job, which I'm am making way less then i was, i called them immediately upon starting my new job and let them know i could pay {$50.00} a month without putting my family in a financial burden. They refused the payment and said they wouldnt take anything less then {$200.00} a month which i can not afford, and also which was way more then i was originally payment, i was told they would bring me to court and garnish my wages. This debt is XXXX XXXX XXXX. i told them again i can only afford {$50.00} a month and IF i was able to pay more in the future i would, again the REFUSED my payment. I can only afford {$50.00} a month
Consumer complaint received 2022-08-05
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: Experian Information Solutions Inc. (TX)

After several attempts over extended periods of time where the credit reporting agency has had plenty of chances to correct their errors, they have not. Furthermore, they continue to violate my rights as a consumer and have cost me the fair opportunity to accurate credit reporting. I am now submitting my request for payment of these violations and blatant proof of their deliberate ignoring of the laws. I attached proof of laws that are being violated along with the accounts. Please assists me in putting an ending to this matter. 

Attached is my formal requests along with before and after most current investigation request results.
Consumer complaint received 2022-08-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

XXXX XXXX  has tactics that involve illegal and harassing practices. Exempt monies in my back account have been frozen. I dont have paperwork with dates or legal signatures on them. This attorney is trying to take over XXXX XXXX XXXX  of my savings that came from XXXX XXXX benefits social security back pay that I received after years of fighting for.
Consumer complaint received 2022-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

In accordance with the Fair Credit Reporting Act XXXX XXXX Acct # XXXX, XXXX XXXX # XXXX and XXXX XXXX XXXX Acct XXXX XXXX have violated my rights 15 U.S.C. 1681 Section 602 A states that I have a 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 I sent a dispute for accounts that were included in my divorce as well as copies of my divorce decree. There are also inaccuracies across credit bureaus. The accounts were not removed nor were they properly investigated. I asked for more information about the investigation process and what steps they took to confirm I was responsible for these accounts. I was just sent another letter saying the invest
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have previously attempted to have inaccurate information removed from my consumer profile due to the timeframe being more than 7yrs as outlined by 15 usc 1681 ( a ) ( 5 ). I received mail confirmation of actions taken by Transunion but have not seen this reflected on my most recent XXXX merged report ( which I have attached below ). These late payments were supposed to be verified by Transunion by how they could have done this with differing information on my credit profile still. Date opened, credit limits, high credit, last reported, date last active, and date of late payments ( which was the original issue late payments ). These inaccuracies have impacted my life since XXXX and Ive even paid on them to have my life unjustly affected due to negligence. 
These are my pervious complaints : XXXX Transunion XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section XXXX. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section XXXX, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.