davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (FL)

on XX/XX/2017 and XX/XX/2017 your company pulled my credit again. I have been going through this for a year with you guys and its getting old and annoying. I dont know if their is a glitch in your system or someone is purposely running my information periodically. Please remove inquiries from XXXX and XXXX
Consumer complaint received 2018-10-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (CA)

A few weeks ago I got a call from the XXXX XXXX XXXX XXXX collections. I have no medical debt that I know of. Although my name matches their records, they confirmed that my birthdate did not match their records. We also established that I did not live at a XXXX XXXX, CA address. I was told that the information discussed would be noted, and I expected that I would not be getting more calls. 

This evening I got another call from the same company. I let them know that I thought that I would be removed from their call list since I am not person they are looking for. I gave them my birthdate again and XXXX confirmed that my birthdate did not match their records. But, instead of telling me that this issue was resolved she told me that my phone number was the one that was given, that they do not remove numbers from the call list, and good luck. 

Since this is not my debt, I did not ask for the date or about the amount owed.
Consumer complaint received 2023-03-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I wrote this company XXXX and asked them to do an investigation and correct their records. This letter was sent out XX/XX/XXXX Today is XX/XX/XXXX and there has been no investigation or attempt to correct their records. Enclosed I will show pictures of the letter sent XX/XX/XXXX along with a picture of the certified mail receipt. I am also enclosing pictures of my credit report obtained more than 30 days after they received the letter to investigate and validate the debt. You can see the errors across the reports when it comes to the dates of last activity and payment history etc. This has impacted me and changed my life severely. In the letter I stated that if no action was taken in a timely manner that I would be contacting the cfpb and still no validation of the debt after over 5 months. This is a complete violation of the fair credit reporting act and the FDCPA.
Consumer complaint received 2023-03-12
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. (AR)

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 # XXXX XXXX XXXX XXXX  ~Account # XXXX XXXX XXXX XXXX/Account # XXXX XXXX XXXX XXXX XXXXAccount XXXX XXXX Dept of educationXXXXAccount # XXXX 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 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2024-04-04
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK (PA)

In Fall of XXXX I was going to be missing a semester of school due to Military Duty. I did everything correct on my part, turned in my military leave paperwork, made sure there was nothing else. Moving forward I am back in school in the spring of XXXX after my military duty was completed at that time. As the semester went along, I started receiving emails and phone calls about my credit and loans. It turned out my university withdrew, " it showed I dropped out of school '' in the national student loan clearing house. After long fights with the school and my student loans it came to find out the university not only withdrew me, but they also withdrew from an incorrect semester that I have already completed. Time moves forward it comes to graduation, soon as it shows I am no longer in school my loans instantly affected me again. The issue is, they had my grace period used up incorrectly from when I was gone for military duty. So, we finally get to an understanding where they fix it for the one loan. Then exactly a month later they started charging me again. They fixed it with the one loan, but never fixed it with the other two. I started school the same time and finished the same time. Yet they still gave me no grace period at all. I started working full time not too long after that completely ready to start paying my loans trying to get this fixed. My credit is completely ruined from this, I started in hole before I was even able to start, all because I went away for our military. I have had so much stress and misleading understandings of this whole situation. Every time I go to this disputed with their credit advisors I get denied. I never spoke to them, and they do not know what happened. I don't understand how I was still in school, having loans charge me and still affect my credit. I just had to go away for the army and now my credit has been completely ruined, loans stacking up. I have been paying what I can but I am not able to do anything else. My credit has been ruined since I was a junior in college, from paying for college.
Consumer complaint received 2023-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I noticed a company called XXXX XXXX was reporting a negative remark on my credit report. Enclosed I am submitting pictures of the letter I sent them certified mail requesting validation of the debt. I mailed this letter out XX/XX/XXXX certified mail. Today is XX/XX/XXXX. I feel they have had more than enough time to complete an investigation which they have not. They are reporting to the 3 credit agencies different and inaccurate information to each one without even providing me with validation of the debt. Enclosed you will also find a picture of my credit report from XX/XX/XXXX which was more than 30 days after they received my letter to correct their records and validate the debt with the company XXXX XXXX still reporting different information to 3 credit reporting agencies without validation of the debt.
Consumer complaint received 2022-10-31
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. (OH)

In accordance with the Fair Credit Reporting act has violated my rights. XXXX XXXX XXXX  Closed on XX/XX/XXXX XXXX XXXXXXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX CARD SERVICES Closed on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARDClosed on XX/XX/XXXX, XXXX CAR Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX, XXXX XXXX  Closed on XXXX XXXX, XXXX, XXXX Closed on XXXX XXXX, XXXX XXXX XXXX  / XXXX Closed on XXXX XXXX, XXXX Bankruptcy XXXX Bankruptcy 1852450 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
Consumer complaint received 2023-06-14
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: EQUIFAX, INC. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

Hello, I lost my job with XXXX. I applied for XXXX and my past due balance was approximately {$69000.00}. In order to qualify, my past due had to be under {$60000.00}. I called Shellpoint Mortgage XXXX and spoke to them and obtained their wiring instructions to send them money to get the balance under XXXX XXXXXXXX. I borrowed funds in the amount of {$10000.00}. Before sending the money, I confirmed with Shellpoint that if I did so, I would receive either a Reinstatement Letter and/or my next mortgage statement would reflect under XXXX XXXXXXXX. I was confirmed by XXXX different people that this would be provided. I had the money sent and then I received my statement and it showed approximately {$62000.00}. When logging onto Shellpoint mortgage it said Past Due Balance {$59000.00} but XXXX could not take that, they could only take the Reinstatement Letter and/or the Mortgage Statement. I called Shellpoint Mortgage to ask what happened and why, as promised, my Statement showed the higher amount. I was told that they filed with the attorneys for Foreclosure and that was their fees. I asked them if I could send them {$2500.00} and they would give me the Reinstatement Letter and I was told that they would accept XXXX funds from me and this was too bad. I feel like I was stolen from. I borrowed that {$10000.00} with the CLEAR intent that I would receive the Reinstatement Letter or Mortgage Statement showing under XXXX XXXX. I was approved for XXXX pending this letter. Now, month after month they have been adding the past due on ( which I understand ). This was to save my family home. What they did was wrong. I did everything I was supposed to do to save my home. Now I have been declined by XXXX to help because of this. Please help.
Consumer complaint received 2023-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (CA)

I missed a payment and paid the late fees Citi bank said they would as a first time courtesy to reverse they fees after I paid. CitiBank offer me a loan advance on my credit card that has been in good standing since I opened the card. The card number is XXXX. I advanced {$8000.00} dollars in XXXX and have not received a bill. I called XX/XX/23 and was told my cards were closed with no notification or an explanation. Im filing a complaint because every time I call in Im not getting any help and they brush me off. Please investigate this complaint as this is affecting my personally with my credit and work. I have always made payments on time until one time. I called to ask for assistance and I get told a different story each time and now CitiBank has closed my credits cards with no notification or explanation when Im trying to call in. Please help me. Thank you.
Consumer complaint received 2017-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: KINGS CREDIT SERVICES (CA)

These items appear on my credit report. Theses items we re d   ischarged in my bankruptcy years ago. These companies insist on trying to keep their information on my report. They are being spiteful.
ALL ITEMS WERE DISCHARGED   IN Chapter  XXXX  Bankruptcy :   XXXX   XXXX   IN ( old car loan )  XXXX   XXXX   XXXX  IN  ( I llegal collection. We had military orders to move but they still sent us to collections and harassed us non-stop, called us liars even though we were stationed  XXXX  miles away ) KINGS CREDIT SERVICES  ( medical bill )  I filed for bankruptcy due to post divorce debt that I could not handle on my own. I did this to restart my financial situation and these collections agency are too vengeful and spiteful to take their garbage off my reports. I do n't care if these do not affect my score, they still show as  XXXX  OPEN collections when they are NOT OPEN and have/show a balance of {$0.00}.     Disputes through the credit agencies have done nothing.
Consumer complaint received 2023-03-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: HEARTLAND PAYMENT SYSTEMS INC (NC)

Heartland ESCI a federal loan servicer has allowed their security certificate to lapse exposing us borrowers to data risks. The certificate has been expired since XX/XX/2022 and even when choosing to navigate to the website without this security measure in place ( because I absolutely need to ), I am unable to as the website is down. It's no surprise their payment processing and automatic debits are still working well. I have been making payments through this whole student loan stoppage and now can't access my interest tax forms because of their failures. Can't even log into an account to stop the payments.
Consumer complaint received 2023-05-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery has tried to collect this debt by contacting me and my employer to collect this debt. I am unaware of what this debt they are trying to collect is. They have yet to provide me with the proper documentation to link me to this debt. No signatures from the original contract, no identifying information and has yet to respond in a timely matter for its investigation.
Consumer complaint received 2017-09-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

It makes me disgusting that how XXXX XXXX did what they did and government do n't do anything about them. 
It 's XXXX XXXX 's fault for selling my mortgage to monster SLS ( specialized loan servicing LLC ) My husband was laid off from XXXX XXXX XXXX after 10 years Them the school was closed by government and filed bankruptcy gone for ever. 
Now the stress of sudden job and income loss put my husbands health in a great danger and decline his been in and out of XXXX starting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX he was a pre XXXX XXXX his also in on going physical theropy use of his hand is not an option he still need to have XXXX on his knees and other hand and shoulders so working not an option we are waiting for his state social security XXXX benefits but that takes time!!!! 
XXXX XXXX I was put in this situation by the employer and SLS refused to work out they should be closed and shut down they are thiefs and XXXX who do n't care about anything but taking my home I asked them for mortgage forgiveness buncha other programs according to them I am not qualified I need to know how is that possible SLS is the cause of I and my husband XXXX decline they are causing and cause of our XXXX I am not moving or give them my home I need help and I found out government is filing law suites against big banks and those XXXX and XXXX XXXX who were the cause of the fall out the financial and real state 10 years ago My mortgage is part of that I need my situation to be published and government authority see what there XXXX mortgage servicer do and take people home without do anything I like to heir an attorney and sew SLS for what they doing but I am not a celebrity or a billionear who has all the money in the world so therefore I wo n't allow these monsters to take my home .that is a promis
Consumer complaint received 2023-05-24
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (NM)

I am a XXXX XXXX XXXX woman, single. I took out a title loan with Titlemax in XX/XX/XXXX. I must work to supplement my Social Security. I took a job at a local gas station and convenience store. I developed XXXX that is extremely painful and had to leave the job. I fell behind on my payments to XXXX XXXX and although there customer service mantra is they are committed to great customer service they were not willing to work with me on a settlement. The interest rate goes up daily from {$500.00} to now {$860.00}. My car is XXXX XXXX XXXX and now in danger of repossession. I can't lose my vehicle. They have closed all branches in my state as of XX/XX/XXXX due to unfair business practices. They do not ever answer their phones and I need reconciliation.
Consumer complaint received 2024-03-28
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. (GA)

I contact the credit bureau and the credit card companies to dispute the fraudulent accounts that are on my credit file. I made the bureaus aware that I did not authorize any of those accounts nor did I give them permission to furnish those fraudulent accounts on my credit file while is a violation of the law and my rights as a consumer and I wish that all accounts in question be removed from my credit profile. As per the FCRA, is a violation of the law to report false and inaccurate information on a consumer report. I'm requesting that these accounts be removed.
Consumer complaint received 2023-07-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

Opened a checking account with First National Bank on XX/XX/2023 with the promise of reward of {$600.00} credit to my account if I had direct deposit in the amount of {$1500.00} in the first XXXX days and automatically make XXXX car payments with the same account. Both requirements were met and First National Bank only paid {$300.00} to the account
Consumer complaint received 2022-11-29
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: EQUIFAX, INC. (NC)

I have contacted the XXXX credit agencies several times about the accounts on my consumer report. The transactions are not completed by me as the consumer. These accounts are hindering me to grow. I have asked the company to delete, block, or update the account to ( XXXX ) Some of the companies have refused my letters as well. The companies are in clear violation. The accounts are listed as followed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My report is not 100 % accurate. I have filed an FTC report also see attachment for other attachments. I will be moving forward with a lawyer if I don't get my desired results with and monetary settlement in 4 days. 

Best Regards
Consumer complaint received 2017-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On  XXXX / XXXX /  XXXX   I contacte d Portfolio Recovery Service  concerning a debt. I requested certain information concerning this account but  XXXX   XXXX   XXXX  reused to answer them. Furthermore, she would not answer the key question as of when was the account that is not mine being reported to the credit bureaus. I told her that I have rights and that by refusing to answer she was violating my rights as a consumer.