davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-03
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: TENET HEALTHCARE CORPORATION (TX)

This debt was reported to the credit bureaus. I 've attempted to resolve with the original creditor or credit agency. I 've kept close documentation and records of my communication and attempts to resolve the issue. I also filed a police report due to identy theft and some proven fraud accounts. The creditors, bureau agencies. Have stated the accounts were verified but have failed to send me and proof of validation, no proof of original signature showing my contractual obligations to the debt or accounts. The refuse to send me validation or any information regarding the accounts. The violated the law by not reporting the accounts disputed on my credit reports within the 30 day time frame. Also the information listed is either inaccurate, unverifiable, fraudulent or unfair. They did n't follow   XXXX   XXXX   compliance when reporting the accounts. Some Numbers and addresses are invorrect or incomplete. I want to be held accountable for accounts that are actually mine and correctly reporting.
Consumer complaint received 2017-05-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

This line of credit/home equity loan originated in  XXXX  of    1968 f or {$40000.00}. There were never any increases in the amount of the loan. However, as of date they are telling me that I owe a balance of more than {$34000.00}. The company HSBC/Beneficial/HFC has refused to refinance the loan, explain why the balance is so high so many years later and they have made it seemingly impossible to refinance with another lending institution as the loan has been reported as released at the clerks office here in  my county.
Consumer complaint received 2017-05-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Williams & Fudge, Inc (FL)

I submitted a complaint about  XXXX   XXXX  of  XXXX  trying to charge me almos st 5,000 do llars for attending their school for a few weeks. Now they have a company calle d Williams and Fudge hara ssing me.
Consumer complaint received 2023-09-07
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. (IL)

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

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, SC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2023-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

on XX/XX/23 i tried to use my citibank credit card ending in XXXX it was .declined. then i tried using my citibank XXXX XXXX  card ending in XXXX it was also declined. i called citibank and was informed that citibank had closed both accounts unbeknownst to me. 

both of these credit cards have rewards associated with them. the XXXX had rewards of {$2600.00} accrued. citi promptly sent me a check. the account ending in XXXX had cash rewards of {$28.00}. when i asked to redeem the money, i was told that it was forfeited. why? these are rewards that i earned by making purchases at XXXX. i might understand it if i had closed the account, but it was citi who closed it. also there is an inherent inconsistency citi 's policy. why did they send me a check for one citi account, but not the other. both of these credit cards are under the citibank umbrella.
Consumer complaint received 2023-09-22
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. (IL)

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.

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 2023-09-07
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA (IL)

I received a deposit XX/XX/XXXX. Marcus bank closed my account. They requested information I sent it in, I was advised that the account would be closed and the money returned to the sender. The money was a loan and they are requesting that I pay the loan they never got the money back! I requested my money be released in XXXX they were supposed to send an affdavit I never received so I downloaded it from the website and sent it in on XX/XX/XXXXXXXX  I am reqyesting my money plus damages!
Consumer complaint received 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: BARCLAYS BANK DELAWARE (OH)

I am writing this letter in response to the derogatory reporting applied to my credit bureau report in XX/XX/2023 I am requesting this derogatory reporting be removed from my credit report for the following reasons. 

1. I did not receive any notice of the annual fee imposed on my account for this year. If I did get statements mailed, I have not seen them.

2. I have never been late on any credit account I have, including my other Barclays account. I have my payments on time every month more than 15 years.

3. The card number ending in XX/XX/2023 has not been used in many years. It has carried a XXXX balance for at least 4 years. 

The moment I came home and saw the letter from Barclays dated XX/XX/2023, I called and made payment immediately. I would never jeopardize my credit, especially for an annual fee. My credit scores and reports are my lifeline. The confirmation for payment is XXXX I understand the importance of accurate credit reporting and would have never let this bill pass had I seen the statement. If you review my credit reports you will see that all of my credit cards and accounts are in good standing.
Consumer complaint received 2017-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I have contacted all the tree credit bureaus online by disputing the items that should not be on my account. I have contacted the companies they say I owe but even the companies say I do not owe them. I have medical bills that have been settled and I have sent letters to prove and yet the company has not remove the items.     I know  XXXX  and and   XXXX   has been in the news for some deceitful  XXXX   XXXX  numbers and such. I believe the same is happening to my file. I have attached some info to go with this complaint.
Consumer complaint received 2017-05-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NV)

We originally listed our house as a short sale and sent all documents on  XXXX   XXXX ,  XXXX , to     XXXX   XXXX   who was the servicer for our loan. The short sale was approved by     XXXX   XXXX  , with the approval letter  XXXX / XXXX / XXXX , with a close of escrow date of  XXXX  Our Broker  was advised that the loan servicing was changing  XXXX / XXXX / XXXX , to  Select Portfolio Servicing.  Since th e Buyer was gett ing a loan, the Buyer could not close escrow in 4 days. Our Broker then immediately sent all documents to Select Portfolio Servicing on  XXXX / XXXX / XXXX , via fax supplied b y SPS ( Select Portfolio S ervicing ). The  Broker followe d up on  XXXX / XXXX / XXXX , to assure all short sale documents were received, however,  SPS stated they had given the Broker the wrong fax number and supplied a new fax for short sale. SPS also stated that they have used previous servicers short sale approval letters to expedite a written approval from SPS to the listing Bro  ker. Ag ain, our Broker sent the complete short sale package to  SPS , along with a copy of the   XXXX   XXXX   short sale approval letter. On  XXXX / XXXX / XXXX , our Broker was told by  SPS tha t a conditional approval was issued based on a  Broker Price Opinion v aluation that was ordered and should be completed shortly. on  XXXX / XXXX / XXXX , our Broker was told a written short sale approval letter would be issued no later than  XXXX / XXXX / XXXX . Our Broker has called SPS every 2 days since  XXXX / XXXX / XXXX , with no approval, and now SPS states it could be another 30 days based on " investor guidelines. '' A representative from  SPS  stated she did n't see a HUD closing statement this past Monday  XXXX  which was sent in with all documents prior ), and suggested the Broker forward another copy " just in case. '' Today,  XXXX / XXXX / XXXX , the  Broker foll owed up again and was told by the Relationship  Manager on the file that since a new document ( HUD )  was logged as received today, " investor guidelines '' gives SPS  another 30 days before they have to issue a written short sale approval letter to sell and transfer our property. The Broker is in fear of losing the Buyer now, and we as the Borrower/Sellers are l eft with further months of default/negative reporting to our credit record. Our  Broker has lo gged dates, names, and notes of every conversation with SPS from  XXXX   XXXX ,  XXXX , to present.  SPS rep resentatives not familiar with the file have continued to mis-read notes and request documents that were all sent previously numerous times. I highly suggest and request that the CFPB audit both procedures and business practices of SPS, at least with regard to short sale processing. Thank you!
Consumer complaint received 2017-05-03
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: COMMERCE BANK (LA)

On  XXXX   XXXX ,    2017 this financial instituti on pulled my credit without my consent. I contacted them twice and they refused to send proof that i gave authorization to do so. I then asked that they contact the credit bureau and retract the inquiry and they again refused. I now beleive that they are in Violation of my rights.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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.

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 2017-05-03
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Community Health Investment Company, LLC. (UT)

I have a medical bill from my    XXXX   XXXX   . I am the insurer I always put myself as the responsible party. I asked the company to stop calling because we have a lot going on after a couple of deaths in our family. Now they are sending bills in my husbands name. I called them and they apparently know the law ... not so much. I work for a financial institution that is serious about deceptive practices and refuse to be bullied by this company and have my husbands name tarnished. I have never had anyone say they will send mail to my husband if I do n't pay my medical bills. This is also third party disclosure. Using your emergency contact to get a bill paid is really bad. I do n't have a problem paying I have a problem with deceptive practices  XXXX   XXXX     XXXX    XXXX   XXXX   XXXX    XXXX  Tn  XXXX .  Call date  X/X/17    amount {$250.00}.
Consumer complaint received 2017-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

On  XXXX   XXXX ,   XXXX  , I notified my  XXXX   XXXX   XXXX  that I had both moved and purchased a new vehicle and was moving my insurance to another company. I provided the proof from the vehicle purchase, proof of coverage from the new insurance company, and a written ( emailed ) statement of the cancellation. I had paid a full month 's premium on  XXXX   XXXX  and was not provided a refund for the pro-rated portion.     In  XXXX ,   XXXX   I began to receive outside collection notices claiming I owed a month 's premium and my account had been " cancelled for non-payment of premium. '' I contacted my agent,  XXXX   XXXX . At that point I was told by  XXXX   XXXX  that  XXXX   XXXX  was no longer the agent and that she would take care of the issue. In  XXXX ,   XXXX  ,  XXXX   XXXX  assured me the situation had been rectified and no collection would continue.     I have received another collection notice as well as having been informed that it is showing up as an uncollected debt on my credit report. I am working hard to rebuild my credit after   XXXX   XXXX   resulted in a loss of all assets and personal bankrutpcy. I have both contacted  XXXX  and sent a letter to the collection company more than once, to no avail.
Consumer complaint received 2024-09-22
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. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Consumer complaint received 2017-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

Select Portfolio Servicing ( SPS ) as sumed the servicing of my mortgage in  XXXX  of  XXXX  from the previous servicer  XXXX   XXXX . I spent some months dealing with   XXXX   regarding a mistake in the city taxes for my escrow payment. When they turned over the loan servicing, I believed this issue to be corrected  (  see attached letter dated  XXXX / XXXX / XXXX  ).   Shortly, upon assuming my loan,  SPS  notified me that my payment was to change from {$800.00} to {$760.00}. I contacted them immediately, asking for them to do an escrow analysis to check if the city taxes were reported correctly. (  XXXX / XXXX / XXXX , spoke with  XXXX   XXXX  and faxed a copy of my property taxes as requested. ) The month following my call, I received a refund check in the amount of {$800.00}, labeled " escrow overage ''. I called again, and was told the analysis was done and the new payment was correct. I was instructed to cash the check, as if there was an error, it could not be returned made out to me.   Within a month, I received a new escrow analysis reporting I was {$870.00} short in my escrow account. The letter made no offer to put right the account should I pay the shortage. It stated my new payment would be {$870.00} until such shortage was paid back.   I sent  SPS  the amount due for the escrow shortage ( which was {$68.00} more than the initial refund of the escrow account ).  ( I  also had paid 2 months over the {$760.00} amount and instructed the overage to go to escrow?? ) This complaint is to report the ineptitude of handling my escrow and the costly time invested in trying to straighten out the mess  SPS  created. I repeatedly contacted  SPS  to report the error, but they proceeded regardless. This is the second servicing company handling my escrow that miscalculated city taxes. Are they not responsible for contacting the city to report the correct amount for taxes?
Consumer complaint received 2017-05-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Phoenix Recovery Group (TX)

In  XXXX    XXXX   I reviewed my credit report and notice an account that was not accurate to me. I mailed a validation letter on  XXXX   XXXX ,   XXXX   requesting the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent.   To date I have not received a response from  Phoenix Recovery Group  regarding the account they claim I owe them. I notice that the amount owed to  Phoenix Recovery Group  from  XXXX  to  XXXX  has changed significantly. I am requesting that they send me information regarding the account or remove it from my credit report.
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (SC)

On XX/XX/2023, I received emails from Chase indicating a credit card and checking account were approved and open. I have never applied for or obtained a Chase account. These are fraudulent accounts. I called the Chase fraud phone number on XXXX to notify them of the fraud and to close the accounts. They required me to provide my social security number and date of birth ; I reluctantly complied. They then wanted additional sensitive information including driver 's license number and employer information. I am not comfortable providing this. They closed the credit card account but refused to close the fraudulent checking account. I also requested a letter from Chase to specify the accounts are fraud, and I am not liable. They refused. 
There are no Chase banks located near me.