davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (FL)

I received an email alert from experian on or around XX/XX/XXXX notifying me that information on my account has changed. I reviewed the information provided and discovered a debt collector reported to XXXX in XXXX that I owed XXXX XXXX XXXX or someone around {$450.00}. 

I have never been contacted by any company named XXXX XXXX XXXX in any form of writing either by US mail or by email. 

It is my understanding that before any company submits any debt report to such company as XXXX, the reporting company must have first notified me of such debt and attempted to collect such debt and failed. 

As stated above, this company has not contacted me in writing and I would like to have this negative report erased as soon as possible from the credit Bureau XXXX.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (OH)

I have been a victim of identity theft since 2016 and it has been so many different things that have been reported on my credit for as apartments. I have lived there that I never lived that far as credit cards that I have never applied for cell phone bill that I have never had and Ive been reporting this stuff to all the XXXX different Credit Bureaus. Ive been sending police reports Ive been sending Documentations that shows Ive been a victim of identity theft all kind of different things to the credit bureau and everything is still showing on my credit and is affecting my livelihood for the last XXXX years. I just dont know how to move forward with this about either getting a lawyer or something because this is really hindering my livelihood.
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (AZ)

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. 

CHASE CARD XXXX XXXX XXXX
Consumer complaint received 2024-04-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Onity Group Inc. (FL)

We sent the aplication loan modification XX/XX/024, for my mortgage company PHH a services loan # XXXX XXXX XXXX XXXX XXXX XXXX 
Property address XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
We recived the email today, and denial again, but they dont explain why denial?

We really frustrated with this situation.

We need to appeal. Could you please lets know how we appeal?

Thank you.
Consumer complaint received 2019-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I deposited into the ATM my payroll check from my employer on XX/XX/XXXX. I was told at the ATM that the funds would be available in 7 business days which was very strange as they never take that long. On Monday. XX/XX/XXXX the funds were not available, by Tuesday XXXX I contacted Chase Bank by telephone concerned about the unavailable funds. I was informed that there was a hold on the check due to a verification of issuance. That my employer could not be verified. I spoke with my manager regarding the issue and he reassured me that they can call and he will happily verify. When speaking to the agent they said that verbal confirmation needs to be done using the number listed for the company. She left the line to call the number but we didn't receive a call. Turned out, the number listed was incorrect. I then went into a branch to speak with a teller in person, the same day. Nothing was accomplished. The teller said the only verification was through the telephone number listed for the business. Even though i had explained that i did not know why it was wrong as i work in the building every day. I provided the correct number and nothing was done. Frustrated i left to speak with the accounting manager at my job. She had me call the bank directly and add her to the line. They explained to her the issue and she offered to provide many other forms of business verification. She said she can email the deed/title of ownership, our EIN, anything that would suffice. Chase was not accepting any of the forms and stated that the number had to match and that was the only way it could be released. I dropped it for the next few days hoping i could find another solution. Monday XXXX i addressed the issue again because i noticed the check was cleared in the bank but not available for use. My employer agreed to reissue the check until seeing this. Chase bank cleared the check but was holding the funds so that i was unable to have the check reissued. When i approached my employer she said she could not do so until they cancelled the check and took off the hold. I called chase bank, spoke with a supervisor and was told there was nothing they could do without a verification through a number that i had previously stated was incorrect and out of service. There was no meeting me halfway and no compromise. So now i am out of a check for almost 3 weeks and i have not found a common ground. Chase bank has closed my account and has kept the hold on the check making it unusable.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I earnestly request the removal of this entry from my credit report as it is not mine and appears to be fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about its impact on my creditworthiness.
Consumer complaint received 2023-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Assistance Inc (MN)

The Financial Assistance , Inc., Debt Collection Account : XXXX XXXX  balance of {$360.00} is paid in full. I paid the debt collection account off, but the debt collection account is still listed and showing on my XXXX XXXX, XXXX, and XXXX credit report as unpaid.
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

Recently, I encountered a distressing situation concerning my bank account with CitiBank. On XX/XX/XXXX, I received a notification informing me of the imminent locking or restriction of my account, with eventual closure within 60 days due to an alleged violation of the terms of my account agreement. 

This news caught me off guard, as I have always made it a point to adhere strictly to all the terms and conditions associated with my account. What's more troubling is the lack of transparency regarding the alleged violation. Despite my persistent inquiries, CitiBank  has consistently refused to disclose the specific term or terms of my account agreement that have purportedly been breached, leaving me feeling confused and frustrated. I firmly believe that as a customer, I have the right to know the exact nature of the violation that has prompted such drastic actions against my account. Moreover, I urgently need access to my funds to withdraw them without further delay, as they are essential for my daily financial needs. Simply, if I can not access my funds, I can not pay my bills and support myself or my family.

Adding to my dismay is the treatment I received while attempting to resolve this issue with CitiBank 's customer service representatives. Not only was I abruptly disconnected from calls, but I was also subjected to unwarranted threats of investigation. Such behavior is unacceptable and reflects poorly on the professionalism and integrity of CitiBank 's customer service department. 

Given the mishandling of this situation and the disregard for my rights as a customer, I am considering filing a formal complaint with relevant authorities. If my requests for information and access to my funds are not addressed promptly, I may explore legal avenues to ensure the restitution of my funds. Additionally, I reserve the right to pursue claims for emotional distress caused by the unjust threats made against me. 

The treatment I have received and the withholding of my property without consent are clear violations of my rights as a customer but this is not an isolated incident. Go ahead and make a quick google search, many people have had this problem with Citibank. Something must be done to disable this predatory bank from continuing its outrageous conduct.
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION (TX)

I was scheduled for XXXX  XXXX on Wednesday, XX/XX/XXXX. I did research on finding XXXX XXXX and came across XXXX  XXXX XXXX. This facility marketed itself as having 24/7 around the clock nurse care. I booked my stay for 7 days and had to pay in full at the time of booking. I checked in on XX/XX/XXXX and began to notice problems right away. 

During this time, I received little to no help or care, post XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The staff tried measures such as giving me a liquid IV to keep me from going to the hospital. On XX/XX/XXXX, I finally convinced the unlicensed staff that I needed to go to the XXXX. I presented at the hospital with XXXX  XXXX XXXX and XXXX  XXXX. I was immediately admitted and treated with multiple XXXX XXXX 

During my time in the house, we had little care, they were low on food and cleaning supplies such as detergent. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We were told to duck and hide from neighbors as they were noisy and called the police on them before, due to suspicious activity.The house manager XXXX XXXX claimed to be a nurse, however, I can't find a nursing license under his name. This facility was not safe and I felt like I would die due to the lack of knowledge and care that they were providing. I was due to check out on XX/XX/XXXX. I was admitting into the hospital on XXXX. Upon release from the hospital, I changed my flight and immediately flew back to Texas. I paid for 7 days of care and I only received 3 days of care. I reached out the the owner via text and she advised that she would refund the money, but it never came. 

I filed complaints with my banking institution Navy Federal for 1. the XXXX XXXX and 2. XXXX XXXX XXXX. The bank refunded my money for the 3 XXXX I did not receive, however, they refuse to issue a refund for my stay which I was not present to receive services. Their reason is that I received some services. I have provided documents that I only stayed 3 days and they still will not refund my 4 days of stay they I was not at the property and did not receive service. 

Since filing this claim, the local news has investigated XXXX XXXX XXXX XXXX and she has shut down and erase anything related to XXXX XXXX XXXX XXXX. It was proven that it was illegal and did not have proper care and unsafe. The website and all social medias related to the recovery house are gone. Based on her personal XXXX @ XXXX she is now on to her next scam " XXXX XXXX  '' XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-23
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. (MI)

XXXX XXXX XXXX XXXX To whom may concern I recently obtained a copy of my credit report, and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 
Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( NAME OF MEDICAL HERE ) to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows.

Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges + - Provide a copy of my signature with the provider of service to release my medical informatio to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA.

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

6 Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it is in violation of the Fair Credit Reporting Act. I will await your reply with the above requested pronf You have 30 days in which to respond to this request, or this debt will be considered invalid, and removal credit bureaus expected or damages will be sought after. 
XXXX All accounts I. Dispute below XXXX XXXX XXXX XXXX Also another violation they are not reporting full account numbers
Consumer complaint received 2017-10-25
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)

On or about XXXX XXXX, XXXX, XXXX XXXX XXXX. news ) reported on their nightly news as well as on their online news website that " EQUIFAX EXECS SOLD STOCK BEFORE HACK WAS DISCLOSED TO THE PUBLIC. '' When Equifax FINALLY reported their data breach to the XXXX public on or about XXXX XXXX, XXXX approximately XXXX XXXX XXXX citizens ( to include myself ) placing EVERYTHING that was suppose to be CONFIDENTIAL about myself and XXXX XXXX other XXXX citizens was no longer confidential. All thanks to Equifax alleged sloppy security measures. 
XXXX also reported that XXXX XXXX XXXX, Equifax 's President for XXXX XXXX XXXX and XXXX XXXX XXXX, Equifax 's President of XXXX. Workforce Solutions each sold a LARGE amounts of their Equifax stock PRIOR to revealing to the XXXX public that Equifax had a massive data security breach. These XXXX Equifax executives financially profited off their own company 's security mistake while XXXX XXXX XXXX citizens which also includes me have suffered emotional harm and potentially financial harm as ALL of our VERY personal credit information has now been released into cyberspace. 
Before this XXXX XXXX, XXXX, XXXX news story, Equifax allegedly had a horrible reputation in their so-called " Customer Service '' Department but since XXXX XXXX, XXXX it has it now even worse. 
When I recently called Equifax about the above concerns and asking for a " Free Copy '' of my Equifax credit report, the Equifax employee just hung up on me.
Consumer complaint received 2023-05-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IA)

On XX/XX/XXXX I submitted complaint # XXXX through the CFPB about EXPERIAN reporting INCORRECT information on my Credit Card with XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX. 
I stated that it was reporting this account as being 30 days late on XXXX or XX/XX/XXXX AND 90 days late on XXXX or XXXX and that that information was incorrect as I had called XXXX XXXX XXXX and they promised to make a MODIFICATIONS to my account using the CARES ACT ( which is good XXXX, XXXX ) which would ADJUST my credit reporting to CURRENT and ON TIME. NOT LATE if I made a payment with them that day. I will attach proof that I was making large payments to cover the back payment due as well when they agreed to make these modifications. I had both health and financial issues during COVID which is EXACTLY who the CARES ACT was meant to protect!! 
This is now my THIRD TIME asking EXPERIAN through the CFPB portal to do a PROPER INVESTIGATION and make changes to this account. They have FAILED both times to see me as a person with rights protected under not ONLY the CARES ACT but also under consumer rights 15 US C 1681 Section 603 ( 3 ) ( E ) which States The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
They have YET to give me a fair and proper investigation as a matter of fact I am a PAYING MEMBER of EXPERIAN and get updates about my disputes in REAL TIME which I then can print out. As you can see for yourself in my attachments they havent lifted a finger to protect these rights which state they are NOT ALLOWED to use as stated - information shall NOT include specific factual information on a consumers credit record obtained DIRECTLY from a creditor of the consumer OR from a CONSUMER REPORTING AGENCY when obtaining information in an investigation about a dispute!!!! 
They just continue to deny me of my rights again and again.
Consumer complaint received 2022-11-23
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. (MI)

XXXX XXXX XXXX XXXX To whom may concern I recently obtained a copy of my credit report, and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 
Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( NAME OF MEDICAL HERE ) to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows. 
Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges + - Provide a copy of my signature with the provider of service to release my medical informatio to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
XXXX Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it is in violation of the Fair Credit Reporting Act. I will await your reply with the above requested pronf You have 30 days in which to respond to this request, or this debt will be considered invalid, and removal credit bureaus expected or damages will be sought after. 
XXXX All accounts I. Dispute below XXXX XXXX XXXX XXXX Also another violation they are not reporting full account numbers
Consumer complaint received 2022-11-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (TX)

I have tried disputes online with EQUIFAX but all they ever do is respond with a tactical standpoint and say they sent verification requests which I never hear anything about anymore. My credit report shows " not disputed? Also reports 150 days past due which is untrue, false, and misleading information. My son is XXXX old. If verification was done properly as claiming then the Original date had to be disclosed. As I stated the account reports false information about the sought after " late payment ''. It is a clear violation of my consumer and civil rights. 
Account is also ONLY REPORTING to EQUIFAX which further deepens it's NON COMPLIANCE manner.
Consumer complaint received 2022-11-23
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: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.