davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/XXXX I called PayPal to make a tution payment of {$1500.00} for a 30 day course in XXXX. At the time I thought my bank acct was being debited as it had happened at other times I did business with Paypal. Instead the agent advised me I could pay up in 6 months at 0 % interest. He then asked me to verify my email, I gave him my XXXX acct. Complaint # 1, I never received confirmation to my XXXX regarding terms and conditions of this transaction. In XXXX I returned from XXXX and I went about my business as usual. Complaint # 2, I never received reminders ; they say they sent them to a XXXX XXXX account which I had deactivated way before XXXX Evidently PayPal failed to update my XXXX acct I gave the agent on XX/XX/XXXX. 
OnXX/XX/XXXXXX/XX/XXXX for the first time I received a call from PayPal XXXX XXXX. I was in shock when the agent asked me for {$120.00} past due [ I am proud of my excellent credit report ]. At that moment I thought it was a scam but after I checked my records I realized that I had a problem. My requests : I would like a waiver of half of the remaining balance because they failed to send reminders to my XXXX. Instead they sent emails to a deactivated XXXX account. Also, PayPal took 8 months to call for the first time, why someone did not call me in XXXX or XXXX. XXXX XXXX I wrote to MsXXXX XXXX XXXX, VP of XXXX XXXX to explain my case. I only received a generic email stating they're investigating, ( note : at the time I felt some responsibility and decided to pay {$100.00} leaving {$100.00} balance ). A week later I followed up as I was concerned I had heard nothing back, only to be told the case was closed and I had to pay. To add insult to injury, I discovered that more interest was charged on interest. I asked the agent why they didn't send anything in writing to this effect and he could not give any reason, he only repeated that I to pay. 
OnXX/XX/XXXX. I wrote a second letter to Ms. XXXX. And again, I only received a generic acknowledgement. I suspect nothing will be done, hence my reason for this complaint. I see a pattern here, poor customer service and inability to communicate in writing and clearly. 
Thank you for your services.
Consumer complaint received 2018-12-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc. (FL)

RE : Intent to file lawsuit, HIPPA Privacy Violation. Validation Letter sent to : COMMONWEALTH FINANCIAL. Account # : XXXX. AMOUNT OWED : {$1000.00}. To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by Commonwealth Financial. Their response will clearly violate my rights according to the HIPPA act of 1996. XXXX XXXX Hospital and XXXX XXXX XXXX XXXX XXXX did NOT provide me a HIPPA release before releasing my medical information to Commonwealth Financial. Therefore by providing such information they are in VIOLATION of my HIPPA rights. I have filed a  HIPPA violation against XXXX XXXX Hospital and XXXX XXXX XXXX XXXX XXXX as well as I am proceeding with legal action against Commonwealth Financial as prescribed by the Fair Credit Reporting Act should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well.
Consumer complaint received 2018-12-02
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NV)

I have been in poor health since XX/XX/XXXX. I fell behind on payments. I can not repay all missed payments at one time. 
Loan servicing was sold to Wells Fargo XX/XX/XXXX. 
Wells Fargo approved a forbearance on XX/XX/XXXX. But they did not rescind the default, and they are continuing with foreclosure proceedings. 
I again reapplied for a forbearance on XX/XX/XXXX, but that was denied. 
A notice of default was posted XX/XX/XXXX. 
A notice of sale was posted on XX/XX/XXXX. Sale date is XX/XX/XXXX. 

I am requesting Wells Fargo to followup with the forbearance they approved, and to stop the foreclosure proceedings.
Consumer complaint received 2018-12-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (GA)

Westlake Financial must send a letter that they have repossessed the vehicle ; and that the car will be sold at either a public or private sale ; and that the sale will be conducted on or after a certain date and must give me given opportunity to redeem the vehicle prior to that date. 
Westlake is reporting on my credit report that it is a charge off for XXXX. 

If the vehicle is sold, the sale price must be applied to the balance of the loan. 

They have not sent me any letter stating the car has been sold. 

If they have kept the vehicle in satisfaction of debt, they were supposed to send me their proposal to do so in writing. They must have my consent. I have not received any such letters. 

Westlake Financial has not followed the law by repossessing the vehicle or in their disposition of the vehicle after deposition and I have a attorney ready to act in my defense if Westlake Financial does not removed inaccurate false account information from all 3 credit reports due to the lack of Westlake Financial unethical practices immediately.
Consumer complaint received 2018-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma (NY)

On average I have called them 4 times a month because XXXX constantly kept taking out a payment from my bank but a week later it would be refunded with no record of a withdraw or refund and they would claim that I never paid it. Then my {$200.00} dollar payment would be {$1000.00}. 

On top of that they have constantly recorded information incorrectly. In XX/XX/2018, I had called 12 times because someone had typed in my account number wrong. 12 times they told me it was fixed. They lied everytime. They have even lied about their office hours and have given me fake phone numbers to contact them. They are despicable XXXX XXXX. They use illegal tactics and tons of fraudulently information and I want my loans transfered to another company. I have been put through a living XXXX with these XXXX XXXX. My own mothers credit score was hit with 100 points because they faled a missed payment. I am barely scraping by and these people deserve to be in jail.
Consumer complaint received 2018-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: HSBC NORTH AMERICA HOLDINGS INC. (MI)

About a month ago I applied for one of your credit cards I gave you all my information address date of birth phone number social security number I even gave you my drivers license number a few minutes after submitting the application you said that it was denied because you couldnt verify me so I called the number I spoke to a woman who knew absolutely nothing she said that some automated system said they couldnt verify mean but she couldnt tell me exactly what it was she couldnt verify she suggested I reapply a few days later why I waited a little longer than a few days but I reapplied just a couple days ago Application ID XXXX once again I gave you a ton of information more than what most applications asked for I mean you asked for my employers address you asked for my drivers license information I gave you were off but once again you send me a notification saying you cant verify who I am how was that possible? With all the information I gave you if you cant verify meet what is it that youre missing I answered all of your security questions I know sometimes credit reports can have different things on them but theres no way that twice I answered all those questions wrong I just dont believe it
Consumer complaint received 2018-02-19
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: Credit Bureau Services Association (TX)

I have sent multiple credit disputes to XXXX XXXX, XXXX, and XXXX regarding my credit report. I was a victim of identity theft. I have inaccurate debts on my credit that I have never heard of or signed for. I have spent the past 2 weeks tracking down this debt as to everyone keeps saying they dont have it but when I dispute it it some hows magically keep reappearing. Please remove this debt from my account as it is not mines and it is effecting my credit.
Consumer complaint received 2018-12-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (FL)

RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : COMMONWEALTH FINANCIAL Account # : XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by Commonwealth Financial. Their response will clearly violate my rights according to the HIPPA act of 1996. 

XXXX XXXX Hospital and XXXX XXXX XXXX did NOT provide me a HIPPA release before releasing my medical information to Commonwealth Financial. Therefore by providing such information they are in VIOLATION of my HIPPA rights. I have filed a HIPPA violation against XXXX XXXX Hospital and XXXX XXXX XXXX as well as I am proceeding with legal action against Commonwealth Financial as prescribed by the Fair Credit Reporting Act should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well.
Consumer complaint received 2018-04-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc. (AR)

On XX/XX/XXXX I spoke with a representative in the GM Financial Recovery department regarding a car I had leased with them but was totaled. Insurance paid all but {$3600.00}. I contacted them inquiry about a settlement on the balance owed at which time the representative informed me that the account had been transferred to a third party agency for collections, XXXX ( XXXX XXXX XXXX ). I was informed that the account was referred to XXXX in XX/XX/XXXX. I did not know this until yesterday and had sent several account dispute through XXXX and XXXX and each time GM Financial verified the debt and stated they were still collecting on the debt. 

On today, XX/XX/XXXX I contacted XXXX ( XXXX XXXX XXXX ) regarding my account at which time I informed the representative that I had not received a telephone call, email, or letter regarding them collecting on my account for GM Financial. The excuse I was given was that there was a lot of back and forth between them and companies. The did not state which companies but did acknowledge they have not communicated with me regarding the debt which means I would have not have had any knowledge of who now owns my account. They have had my car for two years and not contacted me.
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: EQUIFAX, INC. (IL)

I am a victim of identity theft and I would like all accounts removed from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQIFAX 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 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I spoke with XXXX XXXX in XX/XX/XXXX to try to resolve an issue with several derogatory late payments from XX/XX/XXXX-XX/XX/XXXX that are being reported to the three major credit bureaus. I mailed my payments for XXXX XXXX on time. I normally do not mail payments, but because XXXX XXXX was confusing my XXXX XXXX debit card with my XXXX XXXX credit card, I decided to mail in the payments so there would not be any confusion and I could make sure that the account was paid in full and on time. I've attached a copy of one of the checks that was transferred to ACH by XXXX in XX/XX/XXXX, which is one of the months that is marked as derogatory. I spoke to XXXX XXXX about resolving this and they explained that they could not remove any errors unless it was their error. As you can see by this one example attachment in XX/XX/XXXX, the error was on their end.

I have disputed this information with the three credit bureaus and they have not removed the incorrect information.
Consumer complaint received 2018-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NV)

My credit file was affected by the XX/XX/XXXXEquifax breach. I have disputed this several times with the companies XXXX XXXX, however Equifax refuses to remove the following fraudulent information that were created in my name during the breach : INQUIRIES : 1. XXXX XXXX : XXXX XXXX, XXXX XXXX - Shoe, Hat, Etc. 
2. XXXX BANK XXXX NA Inquiry : XXXX XXXX, XXXX All Banks 3. XXXX XXXX BANK XXXX XXXX : XXXX XXXX, XXXX All Banks Contact the inquirer : MAIL ONLY 4. XXXX   XXXX BANK XXXX : XXXX XXXX, XXXX All Banks 5. XXXX XXXX BANK XXXX XXXX : XXXX XXXX, XXXX All Banks Contact the inquirer : MAIL ONLY 6. XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Telephone Companies ( XXXX ) XXXX XXXX. XXXX XXXX : XXXX XXXX, XXXX Miscellaneous Utilities Contact the inquirer : MAIL ONLY 8. XXXX XXXX BANK XXXX XXXX : XXXX XXXX, XXXX ADDRESSES : 1. XXXX XXXX XXXX XXXX   XXXX, CA XXXX 2. XXXX  XXXX  XXXX, NV XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ACCOUNTS : 1.XXXX  XXXX BANK XXXX Reported XXXX XX/XX/XXXX {$240.00} Closed 2. XXXX XXXX FACTOR Reported : XX/XX/XXXX. Collections Please remove this information for me. Thank you
Consumer complaint received 2024-10-16
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. (TN)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2018-12-02
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. (CA)

1. When inquiring about credit card accounts under my name with Chase Bank, I would receive a response to my question, but with a totally different account number. I take this very seriously, because after pointing it out to Chase via phone, us mail and branch locations, I couldn't get a valid answer, then Chase blocked and closed my checking account. 
2. I was informed that a had a few Charged off accounts with Chase. Never was informed of it for years. After reviewing statements, I discovered accounts were paid in full before due date, interest fees were added, then a new card was issued to " prevent fraud ''. 
3. Why was I never notified by Chase Bank or sent a settlement check regarding past settlements, which I should have been included in? 
Example : 2009, Overdraft Protection Fees.
Consumer complaint received 2018-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MO)

I called ERC to get more information about a debt that is not mines. I explained to the company that I do not recall ever having this debt. I asked them for more information about the debt and they explained to me that if i did not recall ever seeing this debt then they would not send me information pertaining to the debt and I needed to file a police report.
Consumer complaint received 2018-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/2015 Amount : {$1700.00}
Consumer complaint received 2018-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

After several disputes Equifax showed 6 accounts as not reporting ( see enclosed report pages ) but now they are back on my report. Please remove the following accounts : XXXX XXXX never late XXXX  XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX XXXX not mine XXXX  XXXX paid in full XXXX XXXX XXXX paid in full XXXX XXXX XXXX never late
Consumer complaint received 2018-12-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc. (MD)

I purchased my FHA home loan in XXXX. 
I lost my federal government job in XXXX. 
XXXX XXXX XXXX sold the loan in XXXX ; to XXXX XXXX ; due to delinquent payments. 
XXXX, XXXX sold the loan to an XXXX ; due to delinquent payments. 
The alonge note is not the original ; as I purchased the loan in XXXX. 
The Lender has converted my FHA loan to a conventional loan. 
The lender is expeditiously trying to sell the property without honoring a loan modification ; as required by law. 
I was never notified that I no longer had a FHA loan
Consumer complaint received 2018-12-01
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: ALLY FINANCIAL INC. (CA)

XXXX has been non-compliant with removing the unverified account ALLY FINANCIAL Opened Date XX/XX/2016 which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that ALLY FINANCIAL was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-12-01
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. (LA)

It is my belief that my original complaint dated XX/XX/XXXX was erroneously classified as a dispute of a Credit Score and the CFPB Complaint ID XXXX was subsequently closed as a result of such a classification. Therefore, I am rewording & again submitting my primary complaint with very concise concerns. ( 1 ) Please provide me with the chapter and verse, per se, of the FCRA regulation which allows Credit Reporting Agencies to delete non-adverse payment data on accounts that have been Paid and Closed for at least ten years? This request is being made since deletion of such aged data appears to be an industry norm. Meaning, all three of the major Credit Reporting Agencies appear to be engaged in the same activity. ( 2 )  Regarding my account that was opened back in XX/XX/XXXX, I can see data going back only about seven years reflected on your latest report. Why is it, all of my perfect payment details going back to XXXX is not being shown for this account? Instead, your agency is mailing to me of a lot of reference material using a lot of paper which includes at least one non-working phone number for a XXXX, XXXX, number XXXX. Regarding this alleged toll free number, I again dialed it on XX/XX/XXXX, at XXXX XXXX  CDT. A recorded message states in part, were sorry the number you have dialed is not in service at this time or can not be reached from your calling area. As you may be aware, so-called reformed hardened street criminals, cyber criminals, bullies, as well as, persons just harboring hate have many different means they are using these days to either defraud one of goods & services or just simply to disrupt and/or deprive one of the rightful use and access of what rightfully & legally belongs to another person. Please mail me a new credit report once you have completed your research, if any.
Consumer complaint received 2018-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a copy of my state 's driver 's license and social security card to the agency to verify my identity and to remove incorrect addresses. I am submitting this complaint due to the lack of investigation of my original dispute of incorrect identifying information. I didn't sign for anything this is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. 
According to section 609 of the Fair Credit Reporting Act ALL information this is reported to credit reporting agencies should bee 100 % ACCURATE. Please deleted any old address that on my credit report. 
You also have XXXX XXXX account on my credit report. I dispute that this account is mine. I have sign no contract with this company. What are you using to verity that account is mine. I am requesting that you deleted account of my credit report.
Consumer complaint received 2018-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX sent a collection account to XXXX, Equifax and XXXX. The loan was taken out in 2011 from XXXXXXXX XXXX XXXX and they state that the loan is still open. Once I found out that they had no license in Florida and that the loan was illegal I sent them a letter to stop taking payments from my account. They would not honor this request and I had to close my account. This loan is not legal or binding nor reportable to credit bureaus. I disputed this report with XXXX and they said it was verified. XXXX never contacted me about this loan. They just reported it.