davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-14
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-10-21
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. (FL)

I am writing to submit a formal complaint regarding Equifax, one of the three major credit reporting agencies, for their failure to respond to my inquiry dated XX/XX/XXXX concerning inaccurate information on my credit report. 
On XX/XX/XXXX, I contacted Equifax to address the following inaccuracies on my credit report. As of the date of this complaint, I have not received any response from Equifax. The incorrect information and the required corrections are as follows : The following account is not mine : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Highest Balance : {$20000.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$670.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
Consumer complaint received 2023-12-15
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (NY)

I sold my house on XX/XX/23 and received two checks for the purchase. I picked up the checks on XX/XX/23 and deposited the checks in my checking account at Chase Bank where I have been a customer for over 40 years. When asked how soon we would have access to the funds, we were told it would take until XX/XX/23. This did not make sense given that one check was a cashiers check from a local ( XXXX, NY ) credit union and the other check was drawn on the buyers attorneys account from another local bank. I have followed up with my branch ( Chase in XXXX, NY ) in person and by phone ( who has tried to be helpful by requesting that the hold be lifted by whichever department puts a hold on checks ) to no avail. I also called the Chase XXXX number to request directly - I was initially told no and then asked to hold while the person said she would check on it ( she put me on hold and never came back to the line ). 

So, why cant I get access to my money and who has use of my funds? I have a mortgage on my new property and am responsible for {$70.00} per day in interest charges to pay off my loan. I am told it is to protect against fraud. Exactly how many days should this process take? Why can Chase move huge amounts for someone like XXXX XXXX but not give a XXXX XXXX access to the funds from a local house sale? Something is not right when no one can tell you who has use of that money for this amount of time.
Consumer complaint received 2023-12-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc. (CA)

This was during the Pandemic lockdown and I had to go the XXXX XXXX XXXX for XXXX and my XXXX XXXX  was injured and Im XXXX XXXX  so the XXXX XXXX XXXX filled out my paperwork for insurance reasons. The paperwork had errors on it and the paperwork was kicked back to the hospital from the insurance company and with notes The insurance company told the hospital what information was missing or wrong and then to send it back! Thats the standard procedure.. This information was not made available to me to fix or figure out? So the hospital failed to fix the errors and failed to reach out to me and just kept the documents and ignored instructions to fixing it and just put it aside a then made me responsible for the XXXX XXXX and everything else and made me reliable for the fees out of pocket and I had insurance and have insurance and told them that and the hospital failure to fix the errors that there job. I had no idea I had this issue and it has put a huge dent ony credit report and I am not responsible for the XXXX cost my insurance company paid it also this account was sold to a third party collector so the dept is all ready paid off and the collector forfeited there right to collect my buying the dept and that paid the dept off.. This is unfair to put this one the collector knows the situation but continues to willingly knowingly provide false information about a credit bill i have no idea about and wasnt my fault they did nothing to fix the errors. And this has been reported to my credit report amd its very damaging to have {$3300.00} collection with delinquencies that are not true and it has caused major credit issues for me
Consumer complaint received 2023-04-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (TN)

This company is threatening me stating that I owe them XXXX XXXX that i dont owe I send the over 4 letters asking them for my wet signature that I have any contract with them and they did not provide me with one all they did was keep sending me incorrect information still stating that I owe them I was not notified before they decided to report on my consumer report also so they did not follow proper procedures of the law I have told them cease and desist all information they still are reporting they told me they dont follow the laws at all I have to pay of else Im really scared my hair has falling out of my head I can sleep at night because Im really scared of them they are causing me a really XXXX XXXX I do not have Money to pay them they need to leave me alone please delete this account immediately thank you
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA (FL)

Account Number XXXX : XXXX Identification No : XXXX Account Number XXXX : XXXX Loan Amount : {$87000.00} XXXX ( XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX It has come to my attention that negative items are being reported on my credit to XXXX, XXXX, XXXX, and XXXX XXXX without my consent. 

Under FERPA, I have the right to control the disclosure of my education records, and this includes the right to prevent the disclosure of personally identifiable information without my consent. I believe that the reporting of negative items on my credit report falls under this protection, as it is impacting my ability to live a normal life. 

I kindly request that all reporting violations be ceased immediately and that my education records be handled in accordance with the regulations set forth by FERPA. Thank you for your attention to this matter.
Consumer complaint received 2023-12-15
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (ND)

I've closed my chime account due to I was hacked on XX/XX/XXXX they said it was good to close right away and they will send a check out after processing and should receive it around XX/XX/XXXX or XXXX I haven't the I called them again and said I have not received anything yet and verified my details and address and they said that they will expedite the check and should receive it within 7-14 days I have not received anything called again and been emailing them too getting the run around now I have to wait 14 days of processing and 30 days of mailing it out now I said I think you're just keeping my money cause I should receive it by now and you always tell me that I can reopen my account so maybe my funds are still in there and you haven't even sent out the check yet or even at all
Consumer complaint received 2023-12-15
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: Climb Credit Inc. (CA)

I wanted to further my education into getting a degree/diploma in XXXX XXXX  I contact the schooXXXX XXXX XXXX XXXX XXXX XXXX to help me with my desire. I was told I was going to get reach out to since there was no class at the moment, the school was going to further investigate to find me the course that would subsequent in elderly management. The school instances that I should take a loan ( climb ) which I denied numerous times since I did want to pay out of pocket. Since XXXX XXXX XXXXXXXX didn't have my class at the time I was offered a class in XXXX which I didn't see fit since it was not the original class I had wanted. The school said they would get back to me if a class was aligned with my desire. A week to a week and a half later the school came back to me saying they couldn't give me the class I needed. I told the representative that I want to decline there services overall since it did not seem necessary. Since I did want to cancel I was sent a cancellation letter where I was then told that I had to pay a total of {$3400.00} to cancel. Although I had seen on my bank account that money had already been removed ( XXXX XXXX {$25.00}, XXXX XXXX {$100.00}, XXXX XXXX {$470.00} ). Which both XXXX and Climb both deny that either companies had removed the money. I communicated with Climb ( loan company ) representative had advised me the school should return the money I was instructed to open a case which I did so with the representative at climb. I have then been called almost everyday from XXXX XXXX XXXX to sign the cancellation agreement. Which I don't see why I should give them {$3400.00} if I had not received the services I needed to begin with. Lastly I decided to freeze all my bank accounts till I could find a resolution to this issue.
Consumer complaint received 2023-03-13
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. (VA)

I have tried to get a credit card that was opened in my name using my information and I have indicated I did not open or apply for any lines of credit. However, after disputing with the credit agencies they have indicated the information is accurate. Well it's accurate if someone has stolen my identity. I'm trying to get this removed from my report.
Consumer complaint received 2023-12-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION (TX)

In accordance with the Fair Credit Reporting Act, Truist Bank Acct # XXXX has violated my rights. 

15 U.S. C 1681 Section 602 A. states I have rights to privacy.

15 U.S. C 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-08-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-07-25
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am sending this request that the account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5100.00}
Consumer complaint received 2023-12-15
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. (OH)

The credit score has not changed since XXXX of XXXX. Well XXXX decreased from nothing chsnfing on the report XXXX pints and returned last month XXXX lower. 

I've been denied for everything since XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Why don't you work on that since you can't even get me a credit card with a limit at my XXXX age XXXX or a first time home buyer or a XXXX XXXX rv. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-22
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$190000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXXXXXX XXXX Balance : {$56000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3400.00} XXXX  XXXX XXXX Balance : {$190000.00} XXXX, XXXX XXXX Balance : {$720.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$5700.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$56000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$730.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$3400.00} XXXX XXXXXXXX XXXX Balance : {$190000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$5700.00} XXXX XXXX XXXXXXXX XXXX Balance : {$56000.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$730.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3400.00}
Consumer complaint received 2023-12-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

Asked about lowering payments using an interest only program and payments are still high nearing {$500.00} a month on a teacher salary. Private loans were issued from XXXX and I have Been paying since XXXX  barely lowering my debt with a payoff date of XXXX. Loans were given at such a young age and were too much with no options of lowering interest. I have 4 different loans out with interest rates from 9.5 % to 10.2 % on a student signature loan totaling {$66000.00} that I was influenced to get at age XXXX. Company has only discussed interest only payments with a high interest rate.
Consumer complaint received 2023-12-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC (FL)

Rocket mortgage refuses to apply payments as directed, has their payment process set up in such a way that you're almost forced to sign up for auto pay each time you make a payment, and they don't honor the cancellation of those autopays. 

Basically, I had a XXXX payment scheduled for XX/XX/XXXX. I had cancelled the autopay scheduled like several weeks before, because I'm paid ahead by 5 months ony mortgage. 

On XX/XX/XXXX, the unauthorized autopay goes through. Not only does it go through, but they refuse to apply it to the payment and instead auto apply it to my principal. I'm now being double charged for the payment, and they've managed to decimate month 6 of emergency fund in one go. They will not refund the payment and they will not apply the principle payment to the payment due in XXXX. 

Please help. This is the second time this year they have done it, and the loss of XXXX not towards bills is crippling, on top of what student loan services are pulling on me..
Consumer complaint received 2018-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Waypoint Resource Group, LLC (FL)

WAYPOINT RESOURCE GROUP has been reporting fraudulent, and unauthorized information to credit bureau ( s ) since XX/XX/2018. I see the creditor reporting for $ XXXX.All is unauthorized use of my trade name that is registered within my state of birth. Also they continue to utilize my copyrighted material, & trade name although they were sent written notice for verification.
Consumer complaint received 2023-12-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC (CA)

This is not the first time Selene finance has tried to predatorios take my home. 

I initially got assistance from a program to help pay the arrears mortgage Selene did not include all of the cost associated with the arrears so the company did not pay everything Selene then increased my mortgage by over {$200.00} saying there was a shortage when I asked them to send that to the company helping me they declined saying they could not. The company helping me needed to know the shortage from Selene finance in order to pay it. In result my mortgage increased and i struggled to pay it .. do to having XXXX  and being Ill i fell behind a bit not more then 2 months behind on I attempted to pay my tmortgage online on XX/XX/XXXX  they took the payment processed it on XX/XX/XXXX  then on XX/XX/XXXX  sent me a certified letter of default I contacted the lender ( Selene finance ) spoke to a rep named XXXX and she stated a payment was made on XX/XX/XXXX  when I asked her about the letter of default she had no answer I was not 3 months behind Selene fianc tried to manipulate situations for those on hard times to their benefit they want to pack on fees and default charges to collect more and more money for already struggling families this should be illegal. I want to file a formal complaint about the way Selene finance does its shady business I know my mortgage was behind 2 months but that was due to # 1 Selene fraudulently withholding pertinent information to a company helping me save my home which in turn caused my mortgage to increase then cause I g yet another hardship of payment then them not posting payments timely to reflect valid payments but holding or either returning payments to then send out default notices to collect then more money fraudulently to then cause more hardship on the family now facing foreclosure Any help on this is greatly appreciated any help reinstating my mortgage is greatly appreciated Thank you
Consumer complaint received 2023-07-25
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. (PA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-04-06
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TENET HEALTHCARE CORPORATION (PA)

On XX/XX/XXXX, a dispute on a collection was placed with Central Financial Control in regards to medical bills placed on my credit reports by this company. I received proof of medical bills on XX/XX/XXXX a week after the 30 days they were allowed to prove this information. The letter is postmarked for XX/XX/XXXX, however it took over a week and a day before I received this letter in the mail. In the letter proved they showed the hospital I owe a medical debt including the hospital bill, my child 's medical record number, dob, and access to her medical diagnosises. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my child 's current or prior medical providers to release any of my child 's medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. I would like to see a signed agreement with this third party showing I owe this debt to their company after it has been sold by the hospital. They also stated they will have a cease and desist unit as well as damage my credit and will not delete as it is not warranted. However, this deletion is warranted as they have validation my child 's HIPPA rights in order to collect a debt as a third party. There were no agreements or signatures I signed with this company as it is unfair, I should not have to pay for a debt that is not owed to them when they are not the orginal debt collectors. I demand deletion on all debts associated with this company.
Consumer complaint received 2023-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc. (TX)

I have reached out to Conn Appliances too inform them that is not my account, and they did not send me signed contact that I ask for or any information that this was my loan {$7400.00} Conns just put in on my Credit.
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OH)

Discovered today that my experian account has been hacked and the email address was changed, attempted to contact them to resolve and could not get a human and any options to report this issue or get it fixed. My XXXX is always frozen and lack of access to this account could impact my ability to access credit.