davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-05
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: EQUIFAX, INC. (NV)

I can't dispute on my XXXX  will not let me start an dispute XXXX  will only let me dispute one item equifax i can never get into my online account I paying money to all 3 companys
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX has a late payment showing for the month of XX/XX/XXXX that I totally disagree and it is effecting my credit report. 

There was an error received on their website the day that I was trying to make my payment as I usually do each month and it was not allowing my payment to be processed. Since switching over from XXXX in XX/XX/XXXX. I have not been late since XX/XX/XXXX. When i contacted them they stated that payment went through on the 1st that caused my account to be 30 days late and that there wasn't anything they could do for me. After explaining to the customer service rep repeatedly that it was an error on their site that caused the issue, she became non responsive in resolving the matter. I am coming to you to see if there is any assistance that you could help get this late payment removed. 

Thank you XXXX XXXX
Consumer complaint received 2018-01-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BYL Collection Services (DE)

Received a collection letter from BYL services on XX/XX/XXXX which is dated XX/XX/XXXX. This company has sent me a letter which I already have accounts open with XXXX XXXX with monthly payments of XXXX XXXX dollars. I have two accounts with them and have been paying them and have not been notified of any delinquency on any of my accounts. The account number referenced from XXXX XXXX has not sent me any statements my file show no statements sent since XX/XX/XXXX. I submit my payment when I receive my statement. I getting a collection letter. Today is XX/XX/XXXX and I usually obtain my statemen because it is due by XX/XX/XXXX and the current bill is due by XX/XX/XXXX no statements have been recived for either bill all month long. Something fraudulent going on???
Consumer complaint received 2021-02-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: ALLY FINANCIAL INC. (WI)

XXXX XXXX I purchased a XXXX XXXX XXXX it was financed through ALLY Finical and I got behind on payments. They repossessed my car in XX/XX/XXXX and I was forced to file XXXX XXXX When purchased the car I was XXXX well I went into XXXX XXXX my daughter was a 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. I explained to ALLY that the month of XXXX I almost lost XXXX kids it was very traumatic for us, She came home in XX/XX/XXXX a couple weeks before they repossessed my car over XXXX that was at 90 days which I didn't get a notification then and I had also spoke with Ally and told them that the same month XXXX I found out that my son had XXXX he had to be hospitalized so I was not able to work. They sent the notice to cure to an old address but picked the car up from my new address which they claimed they didn't have. They done this again a couple weeks ago claiming they didn't have the address but picked it up from my current address. As far as the bankruptcy goes we fell behind because of the pandemic that hit my husband had to take time off because we had 2 vulnerable kids. So the bankruptcy was dismissed because we couldn't afford the XXXX a month payments. So time went on the bankruptcy was dismissed in XX/XX/XXXX and on my credit it shows that the account was closed with a XXXX balance. Ally never sent notice to cure to me I just caught the repo man taking my car and I did not have a problem making arrangements if they would have contacted me they had my number it has not changed no one called and or emailed so how was I supposed to know. Now they want XXXX to get the car back that they stole from me. I do not have a problem setting an arrangement with them, But I do not have XXXX to get car back they should have properly notified me and we could have discussed payment .We are in the middle of a pandemic I NEED my car I can not take my kids one who has to have XXXX every XXXX weeks and can not use public transportation. I would like to have my car returned with a reasonable amount to get it back and start over with making payments, This is one thing that I would not have just disregarded, my kids depend on this, and a home those are 2 things that we have to have, Its frustrating dealing with them because they do not do fairly and do not notify like they are supposed to, They knew that I did not live in XXXX XXXX but yet they continue to send the notice to cure to that address knowing I wont get it and that the mail will get returned to them but they pick my car up from the place where I live but cant send notice or call the same number that I have had for 4 years and they sent me an email XX/XX/XXXX but said nothing about getting a hold of them or to call them. I do not understand how these companies keep getting away with this as if the law does not pertain to them,
Consumer complaint received 2021-11-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: DISCOVER BANK (IL)

This is additional information I want added to my current complaints # XXXX, XXXX and XXXX against XXXX  XXXX XXXX aka XXXX and Discover Bank XXXX! Not only did they steal {$25.00} fraudulently from my Discover checking account under the name of XXXX XXXX XXXX on XX/XX/XXXX for a NSF fee on a check that was NEVER a NSF, it was paid on the second attempt when XXXX XXXX, XXXX XXXX XXXX XXXX, presented it a second time, then a week later XXXX steals this {$25.00} from my checking account!!! On top of these two and the company working together to commit fraud and steal from customers, they then flat out LIED to the CFPB and Discover Bank!!! They told the CFPB they did not receive this fee and had resolved all on their end, LIARS AND THIEVES!! Then when I saw it had been taken from my account, after the CFPB gave me this response they gave them, I filed a dispute with my bank Discover Bank which I had to contact corporate over and file a complaint to get done, then XXXX their investigator, allowed them to keep the funds claiming it was legitimate after she ignored two of my phone calls and then sent me a short note stating this!!!!! All of the banks are in cohoots allowing this illegal activity!!! Then I get the report from XXXX showing a list of checks that were paid when I wrote them in the past that were NEVER NSF 's either along with them showing a resolve on a check ( # XXXX for {$30.00} to XXXX XXXX XXXX on XX/XX/XXXX ) that was NEVER a NSF, this is the one I am disputing with this claim and also showing on XX/XX/XXXX XXXX # XXXX ( which was never even used, as I always prepay my gas and they declined the check at XXXX XXXX XXXX in XXXX IL that day and they show this duplicated and not authorized claimant with a code 5 which means possible bad check and I had plenty of money in my account and had no bad checks out nor had I had any!!!!! ) I want all of these removed from my report now and I want all of this information handed over to your investigators and the FTC for prosecution, these idiots NEVER learn they were just fined billions a couple of years ago by the FTC for the same!!! I am also contacting a lawyer about all!!! I also want my {$25.00} they stole from my checking account reversed by Discover or they will be included in the lawsuit. I also want the FDIC notified of all. I have already filed a complaint with the FTC and will contact the FDIC myself tonight too!!!! Shut these crooks down!!!
Consumer complaint received 2022-03-31
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. (PA)

n accordance with the Fair Credit Reporting act XXXX # 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
Consumer complaint received 2019-04-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (NC)

hello I have a XXXX XXXX loan that I have been paying since XX/XX/2008, it was a XXXX twelve year loan. I have been making my minimum payment and I still owe XXXX after ten years. I have spoken to XXXX XXXX manager his name is XXXX ( XXXX ) and he tells me there is no way for me to pay on principal only above and beyond my monthly payments. I have paid extra on my loan multiple times and it all seems to go to interest and fees and isn't applied to principal. I need help if I am ever going to get out of debt. I thought it was illegal for a company not to allow me to pay on principal as long as I was making my monthly payment.
Consumer complaint received 2022-07-14
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. (IN)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2021-03-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (CA)

On XX/XX/2021 I attempted to convert XXXX Pax Gold from Block Fi into Omisego or OMG in Coinbase. I incorrectly attempted a conversion of an unsupported coin in Coinbase. There were no warnings in real time I would not be able to do this transaction. They do have provisions in their user agreement regarding this. I strongly believe they should have some kind of warning system, review system or rejection system before these types of transactions are done. 

I reached out to them and was advised they have a record of the transaction but could neither convert it nor return it and that my money ( {$25000.00} ) was simply lost. They advised a vague confirmation of a recovery, for certain coins, " sometime in the spring '', and would neither confirm or deny my coin would be on the list. 

I asked them for a decrypted private key for the transaction so I could find another wallet that would convert Pax Gold and they would not provide it. I offered them a fee to either convert or return the transaction and they advised they would or could not. 

They make it very easy for someone to attempt incorrect conversions and have no checks or balances when someone does. Their customer service is extremely poor, with no live support whatsoever. 

I do not believe a mistake that can take less than a minute be worth losing {$25000.00}. Their platform makes it incredibly easy for these types of transactions to happen. Their response is they have no interaction with the blockchain. They have the responsibility of handling transactions, but take no responsibility for user error at the same time.
Consumer complaint received 2021-02-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated.
Consumer complaint received 2021-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (PA)

This letter is to inform you that the following information in my credit file needs to be deleted. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Acima Credit XXXX XXXX lease Charge-off XX/XX/2018 {$730.00} XXXX company removed from report and reported again on XXXX. No further information reported at this time.
Consumer complaint received 2021-02-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (GA)

I applied for a mortgage application in XXXX of 2020. I applied for a refinance of my primary residence. I provided all the requested documents they needed to approve the loan. We closed on XXXX of XXXX I received documents about some issues about some documents on my loan. I reviewed the documents that was sent and show that my job title application is wrong. It is listed as XXXXt my job title is XXXX XXXX XXXX XXXX. I want to explain to Quicken loans that I provided all the documents they needed to get my loan approved. I did have some issues with uploading some PDF files in the system and thought I would take a picture of the pay stub. I reviewed what sent to me and noticed the bottom portion did not capture. I have attached the original pay stub PDF version. Please keep in mind I changed pay stub providers in the middle of this application process. I was with XXXX  getting direct deposits. I changed to XXXX and did not set up direct deposit. I was trying the new scan feature with my bank and enjoyed using it. I have attached proof of payroll checks that I scanned and deposited to my account. XXXX XXXX XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. The XXXX address is an address we had previously. I have attached proof of the address when I started the business. I put in a request to XXXX to change the address and they responded and was not able to update it in time for closing. My company is set up as a S Corporation based on the IRS rules if I work for my business I must take reasonable compensation in the form of a W-2 at the end of the year. Please let me know if you have any questions. I am looking forward to making my mortgage payments and living in my house with my family. I enjoyed working with Quicken loans and thank them for allowing me to refinance my home. I would highly recommend them to family and friends.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear TransUnion/XXXX, I am writing to express my deep frustration and concern regarding the handling of my dispute related to the XXXX XXXX account ( Account Number : XXXX ) on my credit report. I have now sent three rounds of disputes to your bureau regarding the inaccuracies on this account, and each time, the account has come back as " verified '' without any corrections being made.

Summary of Dispute Attempts : Round 1 : I disputed the XXXX XXXX account, pointing out clear inaccuracies. After waiting for your investigation, I found that the same errors remained on my report. No changes were made.

Round 2 : I submitted another dispute, again asking for a procedural investigation into the XXXX XXXX account. When I reviewed my report after this round, the inaccuracies were still there. Again, nothing was corrected.

Round 3 : I sent yet another dispute, with the same request for a thorough investigation into the errors on my report regarding the XXXX XXXX account. Yet, after this third round, the inaccuracies remain. There have been no adjustments, corrections, or explanations provided. 
Specific Inaccuracy : The payment history on this XXXX XXXX account shows continuous charge-offs ( " CO '' ) for XXXX, XXXX, and XXXX, despite the account being reported as closed on XX/XX/XXXX. This is a blatant inaccuracy, as an account that was closed in XXXX should not have charge-offs listed for subsequent years. 

My Demands : It is clear to me that your bureau has failed to conduct a proper investigation into this matter, as mandated by the Fair Credit Reporting Act ( FCRA ). You did not perform your due diligence, and the inaccuracies on my report continue to harm my credit standing. 

I am demanding the immediate deletion of this XXXX XXXX account ( Account Number : XXXX ) from my credit report. The repeated failure to address these inaccuracies shows a lack of fairness in your reporting and investigative processes. 

Please take this matter seriously and provide me with written confirmation that this account will be removed from my report. If you do not comply with this request, I will have no choice but to escalate this issue by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing further legal action if necessary. 

CC : CFPB
Consumer complaint received 2022-06-21
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. (TX)

42 U.S. Code 1320d9 - Application of HIPAA regulations to genetic information The Secretary shall revise the HIPAA privacy regulation ( as defined in subsection ( b ) ) so it is consistent with the following : ( 1 ) Genetic information shall be treated as health information described in section 1320d ( 4 ) ( B ) of this title.

( 2 ) The use or disclosure by a covered entity that is a group health plan, health insurance issuer that issues health insurance coverage, or issuer of a medicare supplemental policy of protected health information that is genetic information about an individual for underwriting purposes under the group health plan, health insurance coverage, or medicare supplemental policy shall not be a permitted use or disclosure.

( 3 ) HIPAA privacy regulation The term HIPAA privacy regulation means the regulations promulgated by the Secretary under this part and section 264 of the Health Insurance Portability and Accountability Act of 1996 ( 42 U.S.C. 1320d2 note ). 
I have disputes regarding information that is being reported in my credit file. 
XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX Neither XXXX, Equifax, nor XXXX can accurately validate/verify the debt owed as it is not allowed under the HIPPA Privacy Rule.

15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
Consumer complaint received 2022-06-21
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. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not provide me with a HIPAA release that releases my medical information to them ; even more so, by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named collection agency, should this item not be deleted within the 15 day period allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 


15 U.S. Code 1681a - Definitions ; rules of construction ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.

In a good faith effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.