davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc. (FL)

issue with my medical privacy now!!! violation!!! 
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees XXXX Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2022-10-14
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. (GA)

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX ( a ) ( XXXX ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-19
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (NJ)

I took out an auto loan from Ally Financial in XXXX of XXXX. Starting approximately XXXX of XXXX for a period of 6 to 7 months, this company neglected to report my payments to the credit bureaus. I was told this was due to a system wide glitch. Since this initial period of time, on at least 6 other occasions ( ranging from 1 month to 3 months ), they have neglected to report my payments to the credit bureaus. I have spent countless hours on the phone with customer service trying to get this issue rectified. I have been transferred countless times, repeatedly refused access to supervisors and the credit department and have been disconnected by rude CSRs who simply did not feel like doing their job, more times than I care to remember. The payments should be reported on the XXXX of every month. The last time my payments were reported to XXXX  and XXXX  was XX/XX/XXXX, only after multiple calls. Ally Auto has not reported my payment to XXXX  since XX/XX/XXXX, even after repeated calls to this company. For over a year now, my payments have only been reported after multiple phone calls to Ally Auto and sometimes not even then. Clearly there is an issue here that no one has cared to look into! Making my payments on time is my responsibility. I should not also have to be responsible for making sure my payments are being reported as well.
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (WI)

I have sent in 3 requests to un-freeze my Sagestream and they have all been ignored. I requested to un-freeze online and over the phone. I have called and left several messages and still have not received a response. I requested to remove security freeze using my PIN number on the Sagestream website.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX ( a ) ( XXXX ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (IL)

Credit card with Chase Bank has a large fraudulent transaction on it from XX/XX/2020 for {$290.00} for something called XXXX. Ive tried repeatedly to reach Chase but once I get through the phone tree the call hangs up. I understand call centers are challenged right now but either remove the fraudulent charge or be able to discuss by phone. As it is the charge remains and I have no way to fix it.
Consumer complaint received 2020-04-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

NOTICE OF ERROR i was offered a loan modification in 2018 that would result in higher payments and extending the loan to a 40 yr mortgage although the interest rate was 2 points lower in 2018 the offer was at 5.675 giving no relief to me i would like them to review their offer and 1-explain how the payments were calculated 2-how much the 40 year mortgage would cost at the end of 40 years vs the {$78000.00} that remained on the mortgage when Bayview took over the loan 3-supply the NPV calculations 4-supply the application received for the Loan Modification which you used to calculate my income and expenses 5-how you calculated the value of the home 6-credit scores you used in your calculations
Consumer complaint received 2020-04-06
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: Experian Information Solutions Inc. (SC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2022-12-30
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: BARCLAYS BANK DELAWARE (IN)

I've been disputing this account for over two years. This account is reporting wrong and misinformation. This agency has not validated any of this information in any shape or form. And this agency keeps reporting this wrong misinformation to credit bureaus without any written or signed authorization from me. I have never given this agency any written or signed authorization to report any information concerning me.
Consumer complaint received 2021-06-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant Mercantile Agency (CA)

On XX/XX/2020 I was transferred via XXXX XXXX  from XXXX XXXX in XXXX XXXX to XXXX XXXX XXXX and am responsible for a Co-Insurance of {$1000.00}. Unfortunately, the bill was transferred to collection agency and interest charged, currently at {$69.00}, Per the FTC, they may not try to collect interest, fees, or other charges on top of the amount you owe, as stated in the original contract. Interest is illegally charged and I will not pay. I have paid in full the principal balance. I expect the account to be closed. I did send a letter to both XXXX XXXX and Grant Mercantile Agency detailng as such and their practices were illegal, but did not receive a response or acknowledgement,
Consumer complaint received 2020-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

After reviewing my TransUnion credit report, i noticed there is an inquiry on my report that i have no clue.I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 

Inquiry Details : Company Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NY XXXX. 
Phone : ( XXXX ) XXXX
Consumer complaint received 2021-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (HI)

1. I have a loan with shell point mortgage service company from XX/XX/2020 2. I did pay off the loan with early payoff the loan fine. 
3. Shell point MS company were not honestly reported to XXXX about my payment record : they reported me three times pay later. these are nosence! As a financial company, they suppose not provide such fake information to hurt my credit. Actually I never pay them later. 
4. Some one from shell point co, intentionally did fake information, I disputed such fake information and I also request financial organization to investigate such actions from this company. 
5. this company charged me over {$5000.00} for early payoff the loan, is that legally for them to do so?
Consumer complaint received 2021-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2019 I started chapter XXXX bankruptcy. Everything but the mortgage was put into the bankruptcy. I have gotten XXXX  to fix their issues with my report. But I still can't get XXXX  and Trans Union to fix theirs. 
My mortgage is not included in the bankruptcy, it isn't closed, and I have never had a delinquent payment. They say I have a derogatory account. The account is XXXX XXXX XXXX XXXX These same to companies have started a new inaccurate account that was already in the bankruptcy. They also say this one is a derogatory status. The account is XXXX XXXX XXXX. 
I have disputed the mortgage information the whole time, and now I am disputing the information for XXXX XXXX XXXX. 
It's almost 2 years that I have been disputing this misinformation, and my credit rating is just as bad then as it is now. 
XXXX  shows I have a credit rating of XXXX, whereas Trans Union has my score at XXXX and XXXX  as XXXX. 
My credit was in good standing the day I filed the bankruptcy, and it even shows on Trans Union report that I was in good standing. So how could I have both of these accounts in derogatory now when I started the bankruptcy, they were fine? 
I have contacted both XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX, and both have said they are reporting to you the same as what they were when the bankruptcy started. 
I have sent this information numerous times about what is included in the bankruptcy and what it is good standing.
Consumer complaint received 2020-04-06
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: Experian Information Solutions Inc. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. 

XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX {$390.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2021-06-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

In XXXX of 2015 I opened my first credit line with Synchrony Financial through Amazon.

I have been paying my loan off for the past 6 years & I have recently gained access back into my Synchrony online account to review why my balance is in fact increasing rather than decreasing when I have been paying 2X the minimum payment towards my loan for the past 6 years. 
Upon reviewing my recent statements I noticed that 65 % of my loan payment has been allocated to my a mysterious " Card protection fee '' for the past 6 years. This fee was initially a couple of dollars on my first statement which was under a line item of a " Security 5 Fee '' which ultimately led me to believe it was a general fee that was included with the credit line. Once I had accumulated a larger credit balance & had opted for paperless statements this fee was raised to $ XXXX {$48.00} over the past 6 years. Which i had no idea about. 
I have gone through all of my emails & any mail that I had stored from Synchrony & Amazon from when I signed up for the credit line in 2015 from which I could not locate any information regarding that I had signed up for a " third party service '' as stated by the Synchrony account manager. So for the past 6 years I have been paying 65 % of my payment towards a product that I never agreed to sign up to nor did I even receive any information in regards to this. The worse part is that Synchrony has not once notified or even informed me that I have been paying for these services instead they have been allocating 65 % of my monthly payments to this fee & increasing my total credit balance due to the payment I am making is not covering the interest on the loan due to the 65 % going to this mysterious fee that was scrupulously added to my account. Synchrony has not even tried to contact or inform me of this practice even though my credit balance has increased almost {$1000.00} due to my interest payment being $ XXXX {$15.00} short on every monthly bill because 65 % of the payment is being allocated to this fee.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Over a week ago, I contacted all 3 credit agencies to unfreeze my account so that I can buy a house. XXXX and XXXX had it done in an hour. TransUnion has passed me from person to person, lied to me and said the account wasn't frozen, told me to fix it online and it's the only way to fix the problem. Gave me a wrong email address to send my SS # and DL #. I have sent the information to them over a week ago and my account is still locked and the lender can't access. I am going to lose the house to a backup contract if it's not fixed by Friday. No one will help me. I have called at least 6 different numbers and over 10 times and have gotten no help to unfreeze my account. They will not help me or give me any information on who can help. This company is holding my information hostage because they are incompetent and refuse to help.
Consumer complaint received 2021-06-19
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- INSTALLMENT LOANS 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2013 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: U.S. BANCORP (IL)

On XX/XX/2020 I took a flight to XXXX XXXX heading to XXXX XXXX. I visited an atm machine with the name of XXXX/ XXXX  XXXX. I personally requested from the atm machine {$400.00} dollars American currency. The atm machine had a withdrawal fee of {$7.00}. I was immediately notified from my bank app of XXXX atm withdrawal. I immediately contacted US Bank after the notification on XX/XX/2020. After contact I stated that an over charge was charged to my account of XXXX. They filed a dispute against XXXX and must rely on their information therefore denying the dispute. I have no record of withdrawing amounts over {$400.00} on atm machines. All cash withdrawals over {$400.00} is not allowed in any us bank atm machines. As of XX/XX/2020 US Bank will withdraw the provisional credit provided. A second dispute has been opened as of XXXX.Travel notification was not set for the card. Fraud division failed to detect fraudulent charges on my card. How can such amount be accepted and not denied. This transaction is out of the normal for my activities.
Consumer complaint received 2020-04-06
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

I been having a terrible experience with XXXX  and Capital One.My credit score was XXXX as of this month of XXXX up until XXXX XXXX it dropped tremendously 120 points back to XXXX over night, due to a capital one account for the balance of {$950.00} and according to my credit report it's saying this account was opened XX/XX/XXXX XXXX.I have no knowledge of this and I disputed it quite a few times till finally It was removed in XX/XX/2019 and and it was taken off my credit profile but now its back on there and I informed XXXX  about this matter and although I have a security freeze an XXXX   representative told me that Capital One broke or lift my security freeze which is illegal i'm thinking for one and to add to that this account isn't mine, and I worked very hard to get to this status and explained to them I been a victim of identity theft and did the report online and they have it on record, Infact all three bureaus do. This is hindering me because literally I'm been pre-approved for a mortage loan and i'm literally in a middle of closing and all documents been signed for both parties, now the lender gon na submit my documents to the underwriters and then this happened with my score dropping over night out of no where down to XXXX but just the day I was at XXXX.Please if there's anything you can do to fix this matter like yesterday, I will greatly appreciate it.By the way I know there's people in this world that don't mean well with no go intentions but i'm not one of them.I ; m an genuine honest guy and family man and a professional welder and just wan na do right by my family and be able to purchase the home we deserve.I work on the road alot working XXXX XXXX at XXXX XXXX and XXXX XXXX and barely home my personal info has been probably vunerable and leaked on the dark web, Which I stated this in my identity theft reports
Consumer complaint received 2023-01-26
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: Maximus Federal Services, Inc. (SC)

Under 15 US CODE 6802, ( A ) a financial institution may not disclose non public information to a non affiliated third party unless such financial institution clearly and conspicuously discloses to the consumer in writing or an electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to a third party. ( B ) the consumer is given the opportunity before the time that such information is initially disclosed to direct that such information not be disclosed to such third party. ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. This means that by law, I have the right to opt out of having such information reported. I demand that all DEPARTMENT OF EDUCATION/AIDVANTAGE  accounts be DELETED AND REMOVED from my Credit Report IMMEDIATELY!!!
Consumer complaint received 2020-04-06
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. 

XXXX  XXXX  XXXX {$170.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX {$390.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}