davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BALANCED HEALTHCARE RECEIVABLES, LLC (IL)

I will need to file at least four of these complaints. I was in a car accident on XX/XX/year> where the other party was at fault. Each time I have been to the doctor or seen by a specialist. I have informed each that I was in the accident, however, they take my information, even when I provide the other parties carrier information. For this bill or collection notice, I did not even receive any notice saying I owed {$480.00} just the notice saying I have been sent to collections. I have hired an attorney to handle the accident, I have been informed that the other party is refusing at this time to pay any of my medical bills apparently due to the lawyer being involved. So, my car insurance and health insurance has had to pay out. However, both have been exhausted. I do not feel like I should be penalized for this when it was not my fault, and the other party is refusing to pay at this time. I realize the companies need their money but that requires me as a single mom paying out of pocket for a medical bill that was not even my fault. I have tried to contact most of these creditors ( however this collection notice is completely new, so I wasn't able to even try to resolve this before being sent to collections ) and only get that they do not get involved with accidents, and it still falls on me or my credit will be affected. I do not need my credit damaged ; I have been working hard to build it up. 

Date of Service is XX/XX/year> *date of accident*
Consumer complaint received 2024-07-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo has had the servicing of my mortgage since XXXX, they transferred it on XXXX. Wells Fargo tried to foreclose several times and the courts have stopped them each time. Since XXXX I applied for reduction of mortgage by removing the PMI at the rate of {$100.00}. per month and ea time was denied. The home has reached 50 % of loan to mortgage value and they still refused to remove the PMI. I went into a modification agreement XXXX and each time when it was time to complete the modification they started to return my payments and demand full payment of the note. They added each month a inspection fee ( see XXXX v XXXX ) of which I am a party and refused to remove the excess fees. They refused to accept mortgage payments, returned the mortgage payments and added late fees each month. When the ruling came for the CFPB XXXX Wells Fargo, I called the CFPB and was told to contact WF. I did and was told by rep that I was not a party to the claim. I have received 3 letters with checks attached for nominal amounts stating that they err in the modification process and the PMI reduction. However, they have refused to acknowledge that they err in the mortgage amounts, payments received, and excessive fees charged to the account. They have not provided a full accounting of the mortgage since it's inception to the date of transfer.
Consumer complaint received 2024-07-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: AMERICAN NEIGHBORHOOD MORTGAGE (NJ)

Loan Date XXXX ... ... Delays in application trying to make seller withdraw from my offer. Change my Loan during the process. Second Loan Date ... XX/XX/year> Taking the XXXX XXXX XXXX XXXXXXXX away from in the amount of {$17000.00}. Making it an XXXX XXXXXXXX 3.5 % without the grant from the State of New Jersey. Discriminating against my XXXXXXXX XXXX and my income that I get paid to take care him. Change the loan amount and fees. Confusing me on purpose Yelling and being Rude at times.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 XXXX XXXX XXXX. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXccount Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sequoia Financial Services (CA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( 4 ) that your Company never provided an adequate notice which Cleary & conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer generated agreement. According to 15 USC 1602 ( K ), the term adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood it meaning. Such notice may be give to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. Since adequate notice was not given as per the above-mentioned sector, I couldn't understand is meaning which is a violation under 15 USC 1602 ( k ). Further, pursuant to 15 USC 1601 ( 2 ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ). According to 15 USC 1802 ( p ), The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit. I hereby request you to do the below mentioned things : DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT XXXX XXXX XXXX ( XXXX )XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you accept my request i will not escalate this matter to federal Court. incase you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages. Thank you for your attention to this matter. 
Sincerely, : XXXX : XXXX All Rights Reserved Without Prejudice
Consumer complaint received 2024-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (LA)

RE : Friday, XX/XX/year>, at XXXXXXXX XXXX, Terminal XXXX, Sequence XXXX, I went to the ATM of Chase Bank, located at XXXX XXXX XXXX, XXXX, LA XXXX. I went to the outside ATM to quickly deposit {$3000.00} cash. The ATM returned {$300.00} ( XXXX, XXXX XXXXXXXX XXXX XXXX ) to me and stated that I only deposited {$1200.00} in cash. 

I went inside and spoke a banking associate who quickly filed a claim. She told me that a bank employee would count the ATM and find the discrepancy, likely within 2 days. 


I called Chase at XXXX, the Fraud Claims department. The claim number is XXXX. She read the notes to me that stated the XXXX branch Closed the file, WITHOUT even opening the ATM. XXXX was who I spoke to in the Fraud Claims. She was also astounded that they closed the file without ever counting the ATM to look for my {$1500.00}. 

I spoke to a local business owner, who also banks with Chase, and she said that she deposited {$2800.00} a month ago and her receipt only showed {$300.00}. She was also told that there was nothing that could be done about the situation. 

On XX/XX/year>, I called the Chase Fraud Claims line to see if there was an update. I was told that a bank employee opened the ATM on XX/XX/year> at XXXX and did not report finding an extra {$1500.00}. It was very difficult to understand the employee and I asked to speak to a supervisor and the telephone representative hung up the phone. 

I called back to speak with a supervisor, her name was XXXX. She checked with the investigation team and they supposedly counted the ATM on XX/XX/year> at XXXXXXXX XXXX and did not find the extra {$1500.00}. I am getting different stories from Chase Bank about who opened the ATM, times, and dates. Who actually opened the ATM? What day? What time? Everyone has different answers.
Consumer complaint received 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

I have a a balance transfer promotional rate with Capital One Savior One credit card. The end of the promotional rate date is not provided in the monthly statements or anywhere on my online account. The only way to get the rate was to call in or find out the hard way when the interest charges kick in. This seems intentionally deceptive and meant to generate additional revenue. The monthly statements should clearly state when the promotional rate ends so consumers have time to begin to pay down the debt.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

After initially sending Experian a dispute letter to investigate my consumer report, I asked them to include any documents including signed agreements, receipts, and contracts in which they failed to provide. Experian responded saying that the information is " Verified '' but never sent any documentation or receipts to verify the alleged debt. I reached out to the creditors asking them to verify any debt in which I never received a response or the documentation. The information that's reporting to my consumer report is badly affecting my credit score putting me in hard times. I have no knowledge of who these creditors is nor did we have any mutual agreement. The accounts reporting are not mine and be removed if they can not be properly verified. The creditors reporting the accounts never had my consent to obtain or share my personal information with anybody which is a violation too my right of privacy. I am aware that it is Experian 's duty to do what's fair and equitable as a consumer in which I don't believe there was a fair investigation. 

Violations committed by Experian & the credit bureaus 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1692c - Communication in connection with debt collection
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am contacting you regarding fraudulent personal information that has been wrongfully associated with my identity. Unauthorized accounts and transactions have been falsely linked to me without my knowledge or approval, causing me significant distress and concern. I have been the victim of identity theft and have already reported this incident to the proper authorities. It is imperative that this matter be addressed promptly, as it is severely impacting my financial standing and personal reputation in a detrimental way. 
I respectfully request your full cooperation in swiftly removing all fraudulent information from my credit report and conducting a comprehensive investigation into how this occurred. I have documentation prepared to provide as supporting evidence, and I am ready to pursue legal action if necessary to uphold my rights and seek appropriate compensation for this violation. 
Your urgent attention to resolving this serious issue is greatly appreciated. Please act swiftly, as allowing this fraudulent information to remain poses tremendous risk to my credit and personal identity security
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am filing this complaint to XXXX XXXX XXXX . This company continually report the account as delinquent even if I have stated already that this account was under the XXXX forbearance. They totally violated two CARES Act : XXXX. ) XXXX marked the late illegally for the months of XX/XX/year> and XX/XX/year> while they were in the middle of a loan modification and XXXX. ) demanding a lump sump the missed Covid forbearance payments the immediate month following the end of the forebearance. You have acknowledged that your received the payment last XX/XX/year> amounting to {$4800.00}
Consumer complaint received 2023-07-18
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: Experian Information Solutions Inc. (GA)

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. 


Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-06-13
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. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late 30 days on payment. Ive attached a copy of my report to this complaint on the payment on the following dates XXXX XXXX XXXX. I'm now requesting you investigate this account and update this payment to be paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-05-22
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: Experian Information Solutions Inc. (MD)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

under the law 15usc 1681 XXXX XXXX XXXX did not have my consent to furnish anything to my credit report. my credit score has drop points because of 'serious delinquency ' furnished without my consent ( payment for car has already been sent ), 'recent miss payment ' furnished w/out my consent, 'Bad payment history ' furnished without my consent, 'few accounts paid on time ' furnished w/out my consent. The payment for the car has been sent also and they neglect to remove such inquiries that were reported to all 3 credit bureaus without my consent. They also didnt respect my rights under law 15 usc code 1605 that finance charge includes any loan fees, document fees, and they took a downpayment when its illegal without my best knowledge of 15usc code 1605 at the time. They also demanded for an insurance of my part when under the finance charge it includes premium insurance from there part to cover there loss in case of anything.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-05-22
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: Experian Information Solutions Inc. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO. (WA)

I am an authorized user on a Credit Card issued by " Chase bank '' I disputed an effort on my credit report. I disputed the fact that the credit card limit changed. I disputed this because it affected my credit but not my husband 's. 

Now XXXX XXXX has removed the entire account. Dropping my score by 174 points. I am about to close on a house but I'll lose.my home if I don't get this fixed. 

Chase is refusing to contact XXXX and XXXX  is refusing to contact chase. XXXX  says it can be fixed if chase will contact them. Chase says it's permanent. 

I'm not sure how this is in compliance with the Fair Credit Report Act.