davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-18
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: EQUIFAX, INC. (ID)

The debt in question being sought after by XXXX was illegally obtained without my written consent. This company got a hold of my protected health information which is a violation of HIPAA. They have my lab work that I had done, they also have the symptoms I was experiencing at time of treatment and the treatment I had done. I never gave the hospital permission to share this information with anyone. The company that is attempting to collect on this debt has also released my private health information to the credit bureaus which I also did not give permission for. I want this debt removed from my credit file and I want my health information to stop being passed around.
Consumer complaint received 2019-11-18
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 recently disputed information on my credit reports due to upon pulling my report for business opportunity, I noticed inaccuracies in the form of a bankruptcy, wrong personal information, unauthorized inquiries and I addressed these issues with this company. I included letters I wrote to Court and XXXX which is where they stated they verified the bankruptcy and I included letters from these same entities stating they did NOT and do NOT verify this information resulting in XXXX deleting the item from their record. I am very distraught because their lack of cooperation is not only hurting my credibility and character but costing me business opportunities as well. I recently suffered the loss of my veteran husband and I am trying to stand on my own without unnecessary setbacks. I am including the letters I received from the court and XXXX, the same letters I included to the company.
Consumer complaint received 2019-11-18
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 AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX , XXXX. : XX/XX/XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2019-11-18
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

Case Number XXXX On XX/XX/19 I prepaid deposit XXXX $ using Visa card. On XX/XX/19 merchant contacted me that door was ready and I paid remaining balance online XXXX $ using XXXX card on XX/XX/2019. My husband picked up the door and when my contractor saw the door same day it was very poorly made, and bowed and would be impossible to install.

On XX/XX/19merchant agreed to to take the door back and make replacement door within 2 weeks. On XX/XX/19 my husband returned the defective door to the merchant in person. On XX/XX/2019 I contacted the merchant asking about the replacement door since it was 2 weeks and they promised to have it ready by XX/XX/19. On XX/XX/19 I contacted merchant again and they promised to get the door ready by XX/XX/19 for pick up. On XX/XX/19 merchant informed me that door is not ready and they will deliver it on XX/XX/19to my house. On XX/XX/19 merchant never delivered the door and failed to respond to my messages and phone calls. I tried to contact merchant again on XX/XX/XXXX and never heard back, same day I filed disputed with XXXX card and visa card and ordered the door from different merchant. Merchant had 2.5 month since order was placed in XX/XX/XXXX to deliver door as promised and failed to do so or communicate with me on a timely manner. I dont have the merchandise and Im out of money. My husband is a military veteran.
Consumer complaint received 2019-11-18
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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (TX)

XX/XX/2019, XXXX XXXX reported a 30-day late Account XXXX XX/XX/2019- Comenity/XXXX  XXXX XXXX reported a 30-day late Account XXXX My Bank XXXX incorrectly returned payments and has sent a letter acknowledging there error. Spoke to both creditors and approved the bank mistake and will not update the error. I have sent this documentation to all three bureaus XXXX, XXXX, XXXX.
Consumer complaint received 2021-03-14
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: World Omni Financial Corp. (FL)

On XX/XX/2021 this company SETF/WOFC contacted me stating that i owed an account that was taken to court and tried to sue me on legal action. This company stated that they took action and hired a lawyer, they also stated that a judgement was granted in their favor against me during a time where i was not notified and during a time where the courts were closed due to the pandemic ( covid-19 ). Their was not an option for me to present a case nor a notification was presented towards me. They performed an illegal action due to the courts being closed. They also were threatening me against legal action if i do not pay immediately. They stated if i do not pay {$8800.00} that they will pursue other actions against me.
Consumer complaint received 2019-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION (GA)

I have been calling Navy Federal Credit Union about having hardship paying on my credit card account and Checking Line of Credit with them. I called last week to see can they lower my payments to $ XXXX a month for both account. I explain to the rep that I'm unemployed and the only amount that I received each month is {$200.00}. I was willing to pay something on the accounts. I received a call back the next day saying that they can not help me. I explain to the rep that I will not be making the payments that they set up for {$80.00} a month. It really hurts me that consumers can not get help with they account, when they have falling on hard times.
Consumer complaint received 2019-11-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (TX)

I have sent several requests to validate this account with no response. This is not my debt/account. This is a HIPPA violation without a legal contract in place. I have not received any validation from United Revenue Services. I am allowed under the Health Insurance Portability Act to protect my privacy and medical records from third parties. This company has not provided a copy of any documents with my physical signature with the provider of service to release my medical information Please remove from my credit report. Disputes has also been submitted. I am prepare for further action if this continues
Consumer complaint received 2019-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I have had this Capital One credit card for at least 15 years with no particular problems. Last month I received a notice that my account was past due. It said that I had to pay {$820.00} immediately to restore credit. I paid {$850.00} and requested a history of the account. All of my credit cards including Capital One have instructions to pay the minimum amount in the event that I don't pay the full balance. My wife and I have 6 or 7 different cards including another Capital One account. We have written all of them with instructions to pay the minimum on the due date. We travel a lot and wish to prevent the high fees and high rates charged by companies like Capital One. We are currently being charged fees of $ XXXX/mo on card ending in XXXX and 31 % interest. Obviously, anyone would choose to avoid extortionate fees like this, and when I received notification from Capital One I responded promptly with payment. Over our long history with Capital One we have had instances of not receiving statements, sometimes one or maybe two in year, but not 2 or 3 in a row as we experienced last summer. Our other card ending in XXXX is charged a more normal rate of 18 % interest. Capital One has a long history with me and my wife. Why is one card afflicted with usurious rates and the other treated like a normal credit card? I have written to Capital One requesting reasons for this, but as yet have received no explanation.
Consumer complaint received 2019-11-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CMRE Financial Services, Inc. (CA)

I originally contacted this company because I was confused about the nature of the bill. Soon I discovered that my insurance company through my employer had not paid my ER visit to the hospital. Also I want to add that the hospital never mentioned that I was outside of network.it took nearly two years for me to discover that I had not been covered because I XXXX  XXXX in XXXX.Upon my XXXX  I contacted this collection agency, I had no idea what this was about. The man on the phone was very rude and unprofessional he treated me like a XXXX  also stated that this account will never be removed and that it would remain damaging my credit and that if I didnt pay this that it would continue to increase and that there is nothing I can do but give full payment and that it would still not be removed from my credit.It has really impacted my ability to XXXX  myself since I cant even find a place to live since this account continues to increase in cost that I can not afford to pay.
Consumer complaint received 2019-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I opened a Bank of America small business account, from the start it was a nightmare. Bank of America immediately began drawing fees from the account like scavengers to decrease the deposits to a position that they could rake in fees. It was contrary to what I was explained during the opening of the account. On four occasions I had to waste time returning to the bank and discussing the agreement with my assigned adviser. They did refund some of the fees, yet started the whole process all over again, and again. Finally, fed up with the situation, I tried on multiple occasions to close my account. It seemed like the account would keep coming to life with some type of new fee which kept it opened. I would pay the fee and attempt to have it closed, but to no avail. After much run around, I thought I finally closed the account after bouncing around from this person to that person in the " business account department '' in XXXX, NC. I had them take the final " fee ' {$9.00} from a {$200.00} credit that they were holding on another " closed '' account to cover and remedy any payment owed. They did take the money and credited me a refund minus the applicable " fees ''. Subsequently, the account was marked as being closed. However, it was not closed. They simply hid the account from my access by removing it from my online banking account portfolio. This was done as they secretly kept the account open and carried a balance of {$9.00}. This balance allowed for a new series of fees to be generated. And, on XX/XX/2019, they mailed a statement to me indicating I owed them new fees in regard to a closed account, thus starting the process all over again.The total I owe according to the statement is {$10.00}. When I called and inquired that day, their automated system would not let me speak to a representative. Apparently, the advertised XXXX is non-existent. The automated service states after much time and effort that " there are no representatives because they are closed ''. The automated system also, informed me that the fee if not paid will be inflated to {$20.00}, apparently compounding by {$10.00} per billing cycle. It then dumped me out of the system and hung up. I am perplexed as to how and why Bank of America is not held accountable for their criminal behaviors under the guise of civil practices. I now realize that I was truly defrauded by their practices. I request an investigation into their deceptive practices to see if others are being victimized by this same scam.
Consumer complaint received 2019-11-18
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: TD BANK US HOLDING COMPANY (MI)

I have sent in letters asking to verify this debt and I have not received accurate information matching this debt to me. Federal law provides that it is a crime to violate the Rights of a citizen under the color-of-law. You can be arrested for this crime and you can also be held personally liable for civil damages.

Attempting to cause a person to do something by telling that person that such action is required by law, when it is not required by law, may be a felony.

18 USC 242 provides that whoever, under color of any law, statute, ordinance, regulation, or custom, willfully subjects any person in any State, Territory, Commonwealth, Possession, or District to the deprivation of any rights, privileges, or immunities secured or protected by the Constitution or laws of the United States ... shall be fined under this title or imprisoned not more than one year, or both.

18 USC 245 provided that Whoever, whether or not acting under color of law, intimidates or interferes with any person from participating in or enjoying any benefit, service, privilege, program, facility, or activity provided or administered by the United States ; [ or ] applying for or enjoying employment, or any perquisite thereof, by any agency of the United States ; shall be fined under this title, or imprisoned not more than one year, or both.

42 USC 1983 provides that every person who, under color of any statute, ordinance, regulation, custom, or usage, of any State or Territory or the District of Columbia, subjects, or causes to be subjected, any citizen of the United States or other person within the jurisdiction thereof to the deprivation of any rights, privileges, or immunities secured by the Constitution and laws, shall be liable to the party injured in an action at law, suit in equity, or other proper proceeding for redress.
Consumer complaint received 2017-11-21
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: Experian Information Solutions Inc. (LA)

I have submitted information to XXXX XXXX several times regarding an inaccurate account on my credit profile. XXXX ( XXXX XXXX ). I have submitted request to validate onXX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Per the FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information from the ORIGINAL CREDITOR, they must remove the said information from the consumer credit file. '' I have made several attempts to XXXX regarding this matter and they respond by verified. I have asked for clarification on how its " VERIFIED '' they need to VALIDATE it! and how it can be verified when this account is not mine, nor could they send me any clarification on whom, what department they spoke with reagrding this matter. Please help me get this resolved with XXXX
Consumer complaint received 2018-01-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC (TX)

We were gravely impacted by hurricane Harvey that hit XXXX. On XX/XX/XXXX, the first floor of our home was completely lost resulting in the policy limit amount being paid to our mortgage company, Pacific Union Financial in XX/XX/XXXX. Our family was forced to cash out all retirement accounts and savings in order to begin construction on our home and prevent further damage in the amount of {$21000.00}. We did not receive a building payment from Pacific Union to repair our home until XX/XX/XXXX in the amount of {$49000.00}. Following this payment, and in the process of attempting to secure another payment to complete construction of the property, Pacific Union transferred our loan and I was informed by the XXXX XXXX  ( Loss Draft Associate ) that I would no longer be able to continue progress on my home until I could contact the new mortgage company and my escrow account could be moved. We have now been living in a hotel for close to six months and this company has postponed, delayed, and impede every attempt our family has tried to make in recovering from the hurricane damage.
Consumer complaint received 2019-11-18
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2019-11-18
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: Experian Information Solutions Inc. (NY)

The following accounts do NOT BELONG TO ME! They must be removed immediately! 

1 ) XXXX XXXX XXXX XXXX Bal : {$6900.00} Opened XX/XX/XXXX 2 ) XXXX  Bal : {$4200.00} Opened XX/XX/XXXX 3 ) XXXX  Bal : {$3000.00} Opened XX/XX/XXXX 4 ) XXXX  Bal : {$11000.00} Opened XX/XX/XXXX 5 ) XXXX  Bal : {$7500.00} Opened XX/XX/XXXX 6 ) XXXX  Bal : {$1700.00} Opened XX/XX/XXXX 7 ) XXXX XXXX Bal : {$1000.00} Opened XX/XX/XXXX 8 ) XXXX XXXX Bal : {$6600.00} Opened XX/XX/XXXX
Consumer complaint received 2019-11-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (RI)

To Date : XXXX XXXX - I have received no reply from Foreclosure Attorney for Lender and Loan Servicer regarding my most recent, ongoing written correspondence concerning these matters. 

Specific Disputes : Foreclosure Attorney and their Client Engaging In Recognized Fraudulent Real Estate Foreclosure Activities. 

Related Issues : - Amount due is unsubstantiated and grossly inflated ; substantial fees include legal fees and prior irregular record of payments to account - Payable Lender, Servicer, Mortgagee Fraudulent Assignment Activity, do not coincide with Public Records and remain unproven, unsubstantiated as per 2 Qualified Written Response Requests - MERS Inactive - Assignments on Public Record ( 4 ) Attached - XXXX ( XXXX XXXX on bottom right XXXX Assignment & Recorded Name Error ), XXXX, XXXX, XXXX
Consumer complaint received 2019-11-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

In XXXX my bank account was hacked and two {$250.00} were transferred to cash app. When I contacted my bank, they said they were holding me accountable for the fraudulent charges. When I asked why, they said that they contacted cash app and they said I had an account with them and I was the one to send the money to my cash app, which I did not. Why would I send money from my bank account to cash app? I would use cash app to send money to a person but never to cash app. I submitted a complaint to Better Business Bureau and they never responded. I also tried to contact them directly and they never responded. I checked my account and they closed it without my knowledge, consent, or a reason why. This alleged transaction cash app said I did, occurred the same day and time that my account was hacked for nearly {$500.00}. Cash app caught the transaction and returned the money.They have also added charges on to my account that I never completed. I also contacted Georgia General Attorney 's office to file a complaint and they transferred my claim to the Department of Banking and Finance.
Consumer complaint received 2019-11-18
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. (UT)

XXXX XXXX is reporting a new collection to my credit that I never received information on. This is in violation of my 30 day right to dispute as I never got any notice and only saw the collection once I had my credit pulled.
Consumer complaint received 2021-03-14
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. (SC)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. 

XXXX XXXX XXXX XXXX XXXX XXXX