davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-27
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc (MI)

I was contacted by the Resident adovacate-debt collector for a move out late notice charges of around XXXX dollars. I disputed the charges but they came back to me in XXXX days that I need to pay the money. I asked for evidence of late notice showing that I provided move out notice on XX/XX/27 but they are not providing XXXX. They repeatedly saying that they provided validated of charges but it doesn't have any late notice included. I emailed the debt collector multiple times not to contact me without the evidence of late notice but they keep on sending the emails. I sent XXXX 's of emails not to contact me without proof of late notice but they are sending emails every other day. 

XXXX : The debt collector contacted me within the same day of receving the notice from the apartment company. I find it too soon for the debt collector to reach out
Consumer complaint received 2024-05-08
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: EQUIFAX, INC. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

My account was charged on XX/XX/XXXX with 18 different transaction from the same name " XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that is NOT authorized by me. First of all, this transaction was made in XXXX in person, and I was at XXXX at that exact same date, so it is not me who have made the transaction. Second of all, the customer service I called clearly told me that my card was added to 3 other XXXX XXXX account that is not mine and that's where it got hacked. The customer service person also told me that this is XXXX XXXX  not my fault and that they will be returning my money back to my account and told me not to worry about it. This seems like Chase issue for not having a better security for their card and resulting in my card getting add to 3 more accounts that's not mine. My card number was clearly hacked in someway and used by other people. Chase however, denied my request and did not give me my money back which is really unfair.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AZ)

Per the CARES Act initiative the the Dept of Treasury in response to disparities occurring during XXXX, I reached out to the mortgage company in XX/XX/2020 after my job had been cut due to XXXX occurrence. I spoke personally, with a representative from the mortgage company, informed them of my situation, and during the phone call I was asked a series of questions that the representative informed me would be submitted for initiation of the forbearance immediately. I was informed by the representative that I did not have to make any payment until instructed to do so once the forbearance expired. 
I didnt receive the paperwork indicating that my forbearance have been approved effective XX/XX/2020. During that time I made multiple attempts to reach a representative by phone to discuss the XXXX payment that had not been made per my conversation with the representative the previous month. As many companies had decreased their staff during the pandemic, I was never able to reach a live representative, and a voice recording on their end, said to call back at another time. Due to this discrepancy in XXXX processing of this paperwork, they have counted every month as a non-payment on my credit report, which is in direct violation of the XXXX XXXX. if they are unable to get this issue, resolved, I will take this case to those that oversee direct violations of the XXXX XXXX.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I usually dont check my credit but recently did a pre qualification to get approved for another house as I am going to court to sell my current house I share with my eldest daughter XXXX XXXX . The loan officer noticed that there is a second mortgage on my credit that I am unaware of as I dont have a second mortgage. I contacted the XXXX today and the rep said she cant help me to contact the credit bureau which I have already done and they are telling me to contact the bank. I am legally represented by an attorney for the sale of my house and plan to get one to sue this bank if nothing is done about this matter.
Consumer complaint received 2024-01-28
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: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX  this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (FL)

I have a credit karma money checking account, where my cellphone company XXXX by XXXX, took money out of my account by the amount of {$250.00} since XX/XX/2024, that they wasnt supposed to, when i called XXXX i told them why you guys taking money out of my account while its not even my due date yet, they told me that it was a system error they were sorry about it, that they will refund my account that it can take up to XXXX business days for the money to be back in my account, i waited a month i never received the money, i be calling both parties back in forth to know whats going on. What happened is, XXXX sent the refund, when i called credit karma customer service the agent told me that she does see that that they refund my debit card, but its the old one, the debit card is inactive, what happened is while in the process waiting for the refund, for some reason they canceled the debit card, and sent me a new one, she told me i have two options, its either i have XXXX resend the refund or make a dispute, i called XXXX they told me that they already sent the refund they do not have options to resend to other card, since its already refunded my bank needs to work that out, i told the lady that, she told me that she will transfer me to the dispute department to make the dispute, now i have the dispute department on the line, the guy is telling me completely different stories, telling that he doesnt see the transaction this and that, they even declined my dispute. In XXXX i went to a XXXX store i had them pulled up my account and have them give me receipt that they refund the account for the exact amount of {$250.00} on the card ending in XXXX. XX/XX/2024, i called credit karma customer service again explain the situation to the agent, the guy pulled up my account he told me the same thing, that he see the refund but the card they sent it to is the old card it needs to be changed, or make a dispute, here i am with dispute department, telling me different stories again acting like they dont see my refund, ive sent the receipt to them that XXXX gave me at the store, still nothing. Now i realize that they stealing my money and refuse to do what it takes to work that out, they keep lying and lying, till this day i still havent got my money back.
Consumer complaint received 2024-01-27
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. I told Equifax to reinvestigate these accounts : Account : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account : XXXX XXXX XXXX XXXX, Account : XXXX XXXX XXXX XXXX XXXX, Account : XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate but that isnt true. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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. PLEASE GIVE REMOVE ALL ACCOUNTS ASAP!!!
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (PA)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Pennsylvania Laws Dear BRIDGECREST CREDIT C, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Pennsylvania Fair Credit Extension Uniformity Act ( FCEUA ), and identity theft laws, specifically Pennsylvania 's 18 Pa.C.S. 4120. 

It has unequivocally come to my attention that BRIDGECREST CREDIT C has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Pennsylvania state law, specifically the Fair Credit Extension Uniformity Act ( FCEUA ), emphasizes the necessity of consumer consent for credit reporting. Furthermore, identity theft laws, such as 18 Pa.C.S. 4120, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for BRIDGECREST CREDIT C to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that BRIDGECREST CREDIT C immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Pennsylvania 's FCEUA. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Pennsylvania state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that BRIDGECREST CREDIT C will promptly rectify these egregious violations, respecting my rights under federal and state laws.
Consumer complaint received 2024-05-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (FL)

MIDLAND CREDIT MANAGEMEN Reported : XX/XX/XXXX - {$670.00} Closed Overview You have 100 % left to pay on this collection. 

Balance {$670.00} Highest Balance {$670.00} Opened XXXX XXXX, XXXX ( 2 yrs, 7 mos ) Account status Closed Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed No Info
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: PNC Bank N.A. (DC)

Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington DC, XXXX PNC Bank XXXX XXXX XXXX XXXX, PA XXXX XXXX Dear XXXX XXXX & PNC Bank , Additionally FCRA as a federally protected consumer. Under modern privacy laws, I as a consumer have a legal right to opt out of any activities involving the collection, use, and disclosure of my personal information. In other words, I as a consumer can simply say " NO '' to all data processing activities, from marketing emails to website cookies to the sale of data. However all businesses non affiliates which are investors by law must honor these requests or risk facing significant penalties from the Federal Trade Commission or from the Federal Government. I am now Opting Out on all authorization that includes mailing and solicitation. I the consumer may have given you written Unwritten verbal and nonverbal per 15 USC 6802.

Under the Privacy Act of 1974 I do not have to provide you with my social security number or my personal information, I am federal protected by the United States Government Under Article 7 of the GDPR The consumers or data subjects who have previously given their lawful consent to a specific data processing activity can withdraw their consent whenever they wish. I can withdraw from any data offers at anytime.

I am also a XXXX resident. In XXXX XXXX XXXX  residents have also rights to Opt Out on all things including non affiliates mailing solicitations. 
I should not receive any other piece of mail from any non affiliates or third parties. 
Thank you for your time and cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-27
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Branch Messenger, Inc. (FL)

Branch has been one of the many accounts I've had over the last few years that never did this. Just recently they have started holding all pre-authorized amounts for the maximum amount of time, even after final transaction has posted. 

XX/XX/XXXX for example, I swiped my card at a car wash and it pre authorized {$10.00} dollars. The same day it sent a final transaction of {$4.00}. I called and inquired about the hold to see if they would drop the hold 3 days after the fact and the customer service agent boldly kept lying to me like I didn't know what I was talking about. First it was you have to wait the 9 days till drops off. Then it was you need to talk to the merchant and see if they would release it and on and on. First of all I know just like hotels when the final transaction is sent the merchant isn't holding the funds. They funds never leave the bank. After final transaction is sent the merchant also released the hold and from there always it's XXXX or XXXX who processes it and then releases it immediately. It's always up to the account holding company to drop the hold and they act like I don't know this. XXXX for example if you send them a copy of the bill from hotel they will drop it. Well Branch will not under any circumstances drop the authorization hold until they have held the funds for the maximum amount of time wihich is 8 days but they hold it nine. If i'm not mistaken, any and all funds that are released or sent to a prepaid account have to be immediately made available that business day. This is twice they have done this to me in two weeks. 

The aren't a bank and they aren't allowed to hold funds. Branch did have every single XXXXXXXX XXXX  driver and now that they don't I feel like they are resorting to other tactics, that are borderline violating laws. They have been doing this since the get go probably trying to hold onto the XXXX XXXX dollars they are allowed now to lend in lines of credit. 

Please stop these tactics. As Branch is looking at only their bottom line, our bottom line out here is that holding that {$10.00} dollars for any length of time can make a huge differnece out here to the people that don't make the money you do.
Consumer complaint received 2022-08-06
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC. (SC)

The private loan debt relief will primarily go to borrowers who took out private subprime student loans ( made to borrowers with low credit scores ) through Navients predecessor, XXXX XXXX, between XXXX and XXXX, and then had more than seven consecutive months of delinquent payments prior to XX/XX/XXXX. My loan was taken out in XXXX with XXXX XXXX and had a low score. The loan had 7 months of delinquent payments prior to XX/XX/XXXX. Navient haven't sent me a notice regarding this.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

XXXX XXXXXXXX XXXX  {$150.00} These a XXXX account showing on my credit profile I have no knowledge of this account XXXX XXXX XXXX also XXXX is showing on my credit report as collection for {$380.00} I have no knowledge of this account This account was not opened by me at no point
Consumer complaint received 2024-01-27
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: EQUIFAX, INC. (SC)

Credit reporting agencies along with the companies listed on my document all continue to misrepresent my profile with false data. Time and time again I send letters auditing them showing and proving violations with the laws listed and they fail to properly service my requests along with delete tradelines that show inaccuracies.
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Ensuring punctuality in my payments is a priority. However, what perplexes me is the occasional reporting of late payments by this company, contrary to my records. As per USC 1666b, rectifying billing errors promptly and reflecting payments accurately is mandatory.
Consumer complaint received 2024-05-27
Product: Prepaid card — Payroll card
Issue: Problem with overdraft — Overdraft charges
Company: Branch Messenger, Inc. (FL)

I want to start off by saying that I have official brought these concerns to XXXX XXXX XXXX 's attention and I recieved a letter back on letterhead saying I was wasting their time that should be used for other customers the geniually need XXXX 

XXXX XXXX XXXX is a pre-paid debit payroll card. When meeting the requirements of deposits and teir level in the XXXX app they allow you to take an advance or whatever they want to call it. These advances aren't not allowed to be negotiated. You have to take the whole amount and nothing more or nothing less. All that is fine. But what happens after is the questionable conduct. After recieving the money, ALL DEPOSITS are taken until payment is paid. Which is from my understand a compulsary use of XXXX. The period of wait until payments are to be made is not given. Also, I was also under the impression that a finaincail company can only take XXXX forced payment a month from an account. Not EVERY deposit. Also, until money is repaid XXXX and XXXX XXXX prohibit you from changing your cash out method in the app. Which violates even more laws from federal and state forcing you to use a finiancial institution. 

In my situation, the amount I had to take was {$150.00} dollars. I needed the entire amount to pay a bill. So all work afterwards deliverying with XXXX XXXX is taken. Mind you XXXX percent of the offers you get on XXXX Eats are under {$4.00} dollars with tip. So over XXXX delivery 's until I can use that money to put gas in the car or anything. It won't and hasn't happend and I still owe then entire XXXX because I can't afford to sit there and work without pay for XXXX delivery 's.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-05-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc (NC)

The discovery that a debt was not disclosed to me, nor was any contract established with a collection company, raises serious concerns regarding privacy and legal compliance. This situation potentially constitutes a violation of the Health Insurance Portability and Accountability Act ( XXXX ), as it pertains to medical debt. The absence of transparency regarding the debt 's existence and the involvement of a collection agency suggests a lack of proper authorization or consent. HIPAA regulations are designed to safeguard individuals ' protected health information, ensuring its confidentiality and proper handling. Failure to disclose medical debt and involve individuals in the debt collection process not only breaches HIPAA regulations but also infringes upon their rights to privacy and due process. Addressing this issue requires thorough investigation and corrective action to rectify any violations and ensure compliance with relevant laws and regulations.