davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-19
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HK Recovery Group Inc. (NY)

I am writing to make a complaint against HK Recovery Group , Inc. who collected a money judgement for me that I previously petitioned the courts to approve. My case was initially won in city court against previous rental occupants who refused to pay their rent. A judge granted me an approval to seek a judgment against the defendants. I placed a judgement against the defendants at the judges request, but was unable to collect on the judgement. I contacted HK Recovery Group , Inc. to assist me with getting the monetary judgment. 

I received a letter and check from HK Recovery Group Inc., dated XXXX  in the amount of {$38.00}. The letter attached to the check was itemized for their services rendered. The total amount of the check was for {$410.00}. According to HK Recovery Group , Inc., their services are supposed to be 33 % of whatever amount is recovered. I was not informed of excessive expenses and commission fees. The amount sent to me does not add up fairly. And, I am very disappointed and confused with this deceptive act.

I am requesting assistance in this matter. I have provided supporting documents for your review.
Consumer complaint received 2023-04-17
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: EQUIFAX, INC. (CA)

am writing this letter to bring to your notice the following information added to my credit report falsely added to my credit report without my pier knowledge. The mention details are incorrect and the account are under business name and they submit the charge off under my name. 
I request you to revise the report after deliguns. I request you to clear my credit report as soon as possible to help me continue business. 
1-Account charged off. {$2.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Account info Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility 2-Account name XXXX XXXX Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$640.00} past due as of XX/XX/XXXX. 



3-Account name XXXX XXXX Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$15.00}, XXXX written off. {$15.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$15000.00}
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

Someone hacked into my bank account I went to the atm and XXXX dollars was XXXX  out of my account I was never notified about it I was out of town when it happened I got into town went to the atm to take out money and XXXX was gone I called my bank later they said it was authorized and I told them it wasnt me it wasnt on my phone or anything on my side I didnt know but they refused to go and stop the payment that I never authorized it happened on XX/XX/ this person tried to get into my account before on XX/XX/2023 for the same amount but that time fraud unit called me before they would authorize it I told them it wasnt me they stopped it but this last time I wasnt notified and they approved
Consumer complaint received 2024-01-19
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. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-04-28
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. (TX)

XXXX XXXX, Experian, XXXX and XXXX XXXX XXXX have violated my privacy due to the Fair Credit Report and Privacy. I notices my bankruptcy was report without my written or verbal consent. The courts of Texas does not report information to any credit reporting agency ... ... .So how can they report my information... ..My information is private
Consumer complaint received 2023-11-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (GA)

I'm not liable for this debt with progressive. I do not have a contract with CAINE & WEINER, they did not provide me with the original contract as requested. I orgianlly sent a certified letter XX/XX/2023 and have not heard back from them which is past 45 days as the law requires. i require Correction to my credit report. I demand this account be removed from credit report
Consumer complaint received 2024-01-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (VA)

I have been a Discover card customer since XXXX. I last used the card on XX/XX/XXXX. I received my XX/XX/XXXX payment as normal with a due date of XX/XX/XXXX. The minimum payment due was {$410.00}. I paid {$410.00} on XX/XX/XXXX. On XX/XX/XXXX I received a notification from my credit monitoring service that I was over the credit limit on a card. I checked to see what card was overlimit, it was the Discover that had not been used since XXXX. I called Discover to ask for a explanation of how I can be over my credit limit when the card was not used. The explanation given was that interest accumulated from my payment date to my card closing date put me over limit. They attempted to tell me how to calculate my interest so I would know what my true payment would be! As a consumer how is this acceptable? This practice is forcing me to guess at my payment amount.
Consumer complaint received 2024-01-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc. (GA)

I contacted the Bureaus to pay a debt because I was required to satisfy the debt for my employment. I asked if I would get a paid receipt immediately if I paid the debt in full. I was told that I would be emailed a paid receipt by the end of that business day. It has been 3 days and they have failed to provide me a paid receipt or any type of receipt or documentation showing the payment. They did withdraw the money from my account. I have called them every day trying to get a receipt or some documentation from them showing the payment. I have confirmed multiple times that they have the correct email address. They keep telling me that they will get to it but they haven't yet and it is placing my employment in jeopardy
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 
XXXX XXXX account # XXXX, XXXX XXXX XXXX  account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX, Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX 15 U.S.C 1681 SECTION 602 A. States i have the right to privacy 15 U.S.C 1681 SECTION 604 A. It also states a consumer reporting agency can not furnish a account without any written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section Sates. No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of Information, other then records of conviction of crimes which antedates the report by more then 7 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 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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 u.s.c 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDXXXX : # XXXX, DEPT OF EDUCATION : # XXXX, DEPT OF EDUCATION/XXXX : # XXXX, DEPT OF EDUCATION/XXXX : # XXXX, DEPT OF EDUCATION/XXXX  : # XXXX, DEPT OF EDUCATION : # XXXX 15 u.s.c 1681 section 602A States I have rights to my 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 other than records of conviction 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-03-02
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

I bought my house with an FHA mortgage loan that is held by Carrington Mortgage. I lost my job as a XXXX after 5 years and was waiting to be approved for unemployment and we submitted a payment for that month -- -but it was not a full payment. We did this for a few months and Carrington accepted this. Then suddenly they told us they would no longer accept partial payments. We asked if we could be considered for a modification or a restructuring of the loan or even a repayment plan. We were told no, they would not work with us, they would not assign a dedicated contact and they began the foreclosure process. We were told the only option was to reinstate the full past due balance in one lump sum and we could not do that at the time. 

I believe Carrington is in violation of state and federal guidelines relating to the servicing and handling of this loan. I was told by a counselor that they are required to review and consider myself and my husband 's financial situation for all programs available to struggling FHA loan borrowers. They have not done so, and have denied us access to programs such as modification, partial claim, forbearance or repayment plan. Despite my request for consideration for these programs or some type of review Carrington has refused to work with me. 

Due to my unexpected loss of a job we struggled to make our mortgage payment but still continued to pay what we could each month while going through this hardship. My husband is working and we have the means to afford a fair and reasonable payment. But right now we are being told there are no possible options available, and I just do n't think that is right. We need some help to break through the brick wall that Carrington has put up against our family. We want to get this loan back on track.
Consumer complaint received 2024-01-19
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 submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-19
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. (FL)

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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX 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 2024-01-19
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (NV)

Goldman Sachs, Apple Credit Card, put my credit card on hold on XX/XX/XXXX without notice. When I contacted Goldman Sachs to resolve, I was told my credit card was under review. That was all the information they could provide. Furthermore, they could not provide when someone could contact me to resolve the issue. As of XX/XX/XXXX, no one has attempted to contact to resolve this issue. Upon further review a number of all customers are experiencing this problem. It is alleged that Goldman Sachs is doing this to customers that pay off their credit card every month and do not accrue interest charges. This action hopefully causes the customer to close their account in frustration as they are not attempting to resolve the hold in a timely manner. This is only speculation and would require furthur investigation. Regardless, Goldman Sachs initiated the hold action without notice and is not attempting to explain or resolve in a timely manner.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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 XXXX Account Number : XXXX Account Name : XXXX  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 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

This is to equifax, XXXX  and XXXX, these agencies are showing previously deleted Late payments from XX/XX/2022. These inaccurate payments have now reappeared on my current credit reports. This A direct violation of the law below ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

Also, reporting from the same account inaccurately credit utilization, payment status and worst delinquency categories across all 3 agencies from my " XXXX XXXX '' account. 

*Equifax is reporting A balance of {$460.00} and utilization of 50 %. 
*XXXX  is reporting A balance of {$350.00} and utilization of 45 %. 
*XXXX  is reporting A Balance of {$450.00} and utilization of 57 %. 
This type of reporting directly violates the law below, 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I hope this letter finds you well. I am writing to express my deep frustration and disappointment regarding the repeated unsuccessful attempts to remove fraudulent items from my account with Credit Bureaus. This ongoing issue has caused me significant distress and financial hardship, and it is imperative that we address it promptly. 
I want to emphasize that I have diligently followed all the prescribed procedures outlined by your company for reporting and removing fraudulent items. However, despite my repeated efforts, the issue remains unresolved, and the fraudulent items continue to impact my account. 

The ongoing presence of these fraudulent items has not only caused me financial hardship but has also severely eroded my trust in Credit Bureaus. As a loyal customer, I expected a higher level of service and security, both of which have been lacking in this situation. 

I kindly request that you take immediate, decisive action to investigate and rectify this matter. I expect a prompt response outlining the specific steps your company will take to address the issue, as well as a clear timeline for the resolution process. Additionally, I strongly urge you to review and enhance your security measures to prevent similar incidents from occurring in the future. 

Failure to address my concerns satisfactorily and promptly may leave me with no choice but to escalate this matter further, including seeking legal remedies and notifying relevant authorities about the fraudulent activities associated with my account. 

I appreciate your immediate attention to this matter and look forward to a swift and satisfactory resolution. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This is my second complaint and I am now fed up with BOA. One of my accounts has been blocked for more than 3 months for " suspicious activities ''. I was told it was blocked by Merrill Lynch and nobody could tell me why. The bank asked me to go in person to a branch to sort out the issue. I went to a XXXX branch and it was a waste of time. It took the agent the same amount of time it would take me to reach out to Merrill Lynch. The agent told me that my account is blocked maybe because I did too many international transactions. This is so ridiculous. Would this mean that I am not entitled to make transactions with my money whenever and wherever I want? 
As I am not living in the US now, I provided a telephone number so the bank can call me to provide a verification code. This mechanism is not working. On XX/XX/year> I wanted to make a transaction from the account that was unblocked, I clicked on the option to receive the code by phone. My phone rang and I heard nothing. No code was provided. I ended up not being able to make the transaction. This is just one example, I have several other ones that I could share. 
I am using another bank now. The experience is totally different. They use a voice recognition system and customer service is excellent. 

BOA is not equipped to provide service to customers working or living outside of the US.
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: GREENSTATE CREDIT UNION (PA)

GreenState Credit Union - https : //www.greenstate.org/, advertises a XXXX XXXX monthly service fee checking account no asterisks, no fine print. 

On XX/XX/2024 - I logged into my account and noticed XXXX monthly {$7.00} service fees ( {$14.00} total ) for a dormant account. I promptly contacted greenstate over web chat and asked what the fees were for. I was told that they were fees due to no account usage for the past XXXX months. When I stated that their web site in multiple locates says that the account has no monthly service fees with the no asterisks, no fine print they claimed the fees were stated elsewhere. I asked for the checking account product disclosure that would have been sent and agreed upon by me, they were not able to reproduce a disclosure that was sent during account opening that detailed these fees. They pointed to a generic fee structure in a separate non product disclosure document that was not supplied during account opening as part of a product disclosure. I asked the agent to refund my fees and they would only authorize a single months of fees {$7.00}.

I am asking that GreenState Credit Union refund all dormant account fees, update their product disclosures that are presented during account opening to reflect such fees, and be barred from advertising a XXXX XXXX monthly fee no asterisks, no fine print on any marketing material including their website until such time any and all monthly fees are removed from their fee structure.