davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-11
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)

to whom this may concern, 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 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  15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681c ( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Consumer complaint received 2023-05-24
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-04-11
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ACIMA CREDIT, LLC (MO)

I had to have repair work done with XXXX XXXX. I didn't have the full money for all the repairs. I was able to get financing through Acima Credit. I was approved but nothing was fully explained to me with the paperwork. I didn't know I was signing over rights and other remedies. The car is in my brother 's name and they're threatening to take the car when its still owned by XXXX XXXX.
Consumer complaint received 2020-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I do banking with Capital One through the banks mobile app. I have a payment due on the XXXX of each month and I schedule the payment through the app. On XXXX XXXX, 2020 I received a notice to update the app and I had problems updating the app. I called the bank to ensure the payment was scheduled to be processed. I was assured the the representative that it was scheduled. Three days later I received a notice from the bank that I was late. I called the bank and was told they did not see where it was scheduled. I talked to several supervisors with no resolution. I made the payment again. I received another email stating that my credit card purchases may be declined. The next day I received an email from the bank saying they researched the issue further and discovered the problem was their fault. I went to a local branch to payoff the card and close all my accounts. A lady at the bank called the credit card department to get the {$25.00} late fee returned. The supervisor in the credit card department refused to issue the credit and mislead me twice and two women at the bank branch heard the supervisor mislead me. I still have not received the credit. I feel sure the bank will use this false late payment to raise my interest rate and post the late payment to my credit report. Attached is the letter from the bank admitting the bank caused the problem.
Consumer complaint received 2019-04-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (TX)

Received debt collection letter from Phoenix Financial Services LLC XX/XX/2019 concerning a medical debt that was paid. Requested validation and information regarding this alleged debt. XX/XX/2019 and received a billed stated an unpaid balance and a bill indicating procedures and medication. 
There is a clear HIPAA violation here without signed release of information and proceeding to report to credit reporting without proper validation
Consumer complaint received 2020-01-13
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (TN)

Attempted to call to work with this bank but I can only get someone in the XXXX. I want to speak to someone in my country. Please have someone call me so we can work together
Consumer complaint received 2020-01-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

XXXX XXXX XXXX is denying me the full credits I have towards the 120 payment requirement. I am being credited with 24 payments when I should be at 84 payments. 

The website had been down on several occasions and there was some sort of glitch when I repeatedly tried to set up my direct debit. I contacted the company and explain that I have a other health impairment that is directly impacted when I could not set up the direct deposit. 

The company 's reply was that I had never informed them of my XXXX and therefore, there was nothing they could do. I responded that I had put that information when I applied for the loan with the agency that I originally held the loan with, however, I was never told that I needed to continue to provide that information when my loans were transferred to FedLoan Servicing. 

Fedloan has had no response and I have sent the letter to them multiple times over the past year.
Consumer complaint received 2020-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NM)

On Friday XX/XX/XXXX, I spoke with a customer service representative at XXXX, the company contracted to service my student loan account, about some suspicious changes to both my student loan account history and personal credit report. 

It appears that XXXX reported my loans Paid in Full on or around XX/XX/XXXX and closed the two accounts that were previously included in my credit history. This change caused my credit score to drop XXXX points between the two closed accounts. 

When I logged into my XXXX account and checked my account history, it appears that XXXX has recently updated my account in several key ways : -All capitalized interest is reported as {$0.00} dating back to XX/XX/XXXX. This has not been the case for the past two years and six months. Interest had been accruing on the account. 

-My loans appear to have been retroactively consolidated with the reported date of consolidation as XX/XX/XXXX. I did not request this consolidation. 

-There are several newly reported payments recorded in XXXX that were not made by me. I stopped payments to XXXX in XX/XX/XXXX after realizing that my payments and overpayments were not being applied in the way I intended, which was to pay down the principal and not be applied to future payments. 

When speaking with the customer service representative, I asked her Who initiated the consolidation of my loans in XX/XX/XXXX? She told me that I had requested the consolidation of my loans, digitally. I asked her what she meant by digitally. She explained that I submitted a request through my account. I asked if that request should show up in my account inbox under the tab Documents You Sent to Us, and she told me it should be in that tab. But there are no documents in that tab, because I never requested the consolidation of my loans verbally, digitally, or otherwise in XXXX. I know because in XX/XX/XXXX I learned for the first time that I wasnt alone in the overwhelming Navient scam. I have remained in forbearance since that time because XXXX has refused my requests to remedy the misallocation of my previous payments. I did not request a consolidation in XX/XX/XXXX and my account history prior to recent erroneous changes listed previously did not indicate any consolidations. 

The XXXX representative I spoke with explained she was sending me a Fraud package for me to complete and upload to my inbox along with a copy of my credit report to initiate a XXXX  investigation. This package was never sent to either my personal email or my XXXX account inbox. My credit is still damaged and has prevented me from purchasing an affordable vehicle which I need in order to become gainfully employed and afford to pay my student loans. 

XXXX continues to demonstrate flagrant disregard for its obligations as my student loan servicer and continues to cause irreparable damage to my financial well-being and my consumer credit.
Consumer complaint received 2020-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been a victim of identity theft and my credit has suffered tremendously due to it. I am trying to purchase a home this year and this has taken a huge toll on me and my family. We have a tough time getting approved for the most basic things due to this and we are just tired of it. We have tried to notify the credit bureaus to no avail and would like to see if you can help. Please help me in this matter thank you.
Consumer complaint received 2020-01-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (OR)

XX/XX/XXXX : XXXX XXXX refinanced our loan at 8 % a variable interest rate. We signed loan documents ( under extreme pressure to keep our home ) on the day our contract would expire with the seller. We had the intention of refinancing just as soon as possible. The advice we were given was we MUST wait for 1 year to refinance. 

XX/XX/XXXX : Applied for a modification. Current on payments. Credit Score XXXX Missed XXXX payment in hopes the MODIFICATION would be approved. We called several times during the month to check on progress and to make sure SPS Servicing knew how committed we are to keeping this house. 

XXXX XXXX : Numerous calls were made to check on the status of our Modification request. When two payments were missed {$6000.00}, it was impossible to make up. SPS servicing representatives assured me ( documented calls ) everything would be fine, they would work with us, help us keep our home, not just come and take it. We received multiple letters in the mail, informing us there is nothing to do but wait. Meanwhile, our outstanding balance became over {$15000.00}. We now believe this process ( 6mths ) was due to how long it took for SPSXXXX XXXX to determine the property value. As soon as it was estimated we have over {$100000.00} in equity we received a DENIAL letter. 

XXXX XXXX We received a letter denying our MODIFICATION requests for the following reasons : Investor/Guarantor not participating, insufficient recent payments and inadequate funds. The two options we were offered ( 1 ) Short sale ( 2 ) Deed in lieu of foreclosure. They gave us 30 days to bring the account current. 

XXXX XXXX hired a law firm to help with the modification process. 

XXXX XXXX received a full refund of our retainer as the law firm was unable to get the company to budge. At the end of the month, We contacted the XXXX XXXX XXXX and applied for XXXX preservation benefit, past-due mortgage support ( XXXX ) with a representative ( XXXX XXXX XXXX ). 
I have been paying down my debt, my student loan ( {$80000.00} ) and have some cash saved to pay into the mortgage. Even if I pay in full, my credit is below XXXX and we have a history of 7 months of LATE mortgage payments. I do take responsibility for not making my payments as agreed, but we were in constant contact with SPS servicing who assured us they could help and would not take away our home.
Consumer complaint received 2019-11-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (CA)

I opened a account up with this branch on XX/XX/2019 and XX/XX/XXXX i logged into my account and it told me to contact security dept. I called and they told me that they are permanetely closing my account due to insufficient documents and unable to verify me and they told me to go to my local branch. I drove 2 hrs to my local branch on XX/XX/2019 and spoke with XXXX and she told me to speak with someone else name XXXX XXXX. because they were unable to withdraw my funds from my account. she called security and they and stated that they needed i.d to release funds. i provided that documentation an she said they need legal documents stating my name change. I provided that and she told me that i needed to go to the social security office or the court house to get legal documents showing my name changed. I sent those documents in along time ago and they stated that it was not called for. so when i told XXXX, she stated she does not see it on file. and she also stated that if my marriage license pertained my maiden name it is not sufficient because my identification is showing my married name and that my married name is not on my marriage licenses. i told her that when you get married they will ask you for documents showing you are married and i gave it to them at the social security office and that how i got my married name. I showed all documents needed to verify i am who i say i am. all legal documents and all. They are failing to give me my funds out my account and they closed my account because i used my real name .This is a form of discrimination for closing my account for no reason even when i gave sufficient documents and they are failing to release my hard worked money.
Consumer complaint received 2022-12-27
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX  account 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  has violated my rights . 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (MS)

I received a notification from my credit monitoring service that Phoenix Financial Services reported a collection on my credit report. I reached out to this company to validate the debt they are reporting. On XX/XX/2022 The collection agency provide me with medical information that I have never authorized to be shared with a 3rd party. The documents they provided included Diagnosis and CPT Codes. This was devastating to me as 1. I have never heard of the collection agency, the Current Creditor " XXXX XXXX XXXX '' XXXX XXXX XXXX XXXX XXXX  OR any of its affiliates. I looked up the provider 's name in my area and it appears he is a provider at XXXX XXXX XXXX. I was never treated at any facility on or during the date shown in the medical records they are illegally sharing. 

Not only is this company reporting medial information that is against HIPAA laws, the date of service I NEVER went to the hospital on that day and this ERROR has caused major impact on my ability to purchase a home, insurance, or anything that requires proof of my credit worthiness. The address and telephone number they have is not mine and I have NOT had any information that matched or similar. This company is violating my rights, breaking HIPAA laws and to get me to pay debt that does not belong to me and continues to report information on my credit report.
Consumer complaint received 2020-01-13
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: EQUIFAX, INC. (OH)

Recieved payday loan amount of XXXX from. Filed bankruptcy in XXXX and asked rep at XXXX XXXX XXXX would this effect my credit No was her answer and now XXXX this inquiry is there. XXXX XXXX  was the creditor that was listed on the credit report however I've never heard or been contacted by this company.
Consumer complaint received 2020-01-13
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: Midwest Recovery Systems (OH)

Recieved payday loan amount of XXXX from. Filed bankruptcy in XX/XX/XXXX and asked rep at XXXX   XXXX XXXX would this effect my credit No was her answer and now XX/XX/XXXX this inquiry is there. Midwest recovery was the creditor that was listed on the credit report however I've never heard or been contacted by this company.
Consumer complaint received 2023-05-24
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. (AL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Professional Finance Company, Inc. (CO)

I have 5 different amounts that are affecting my credit with amounts of {$210.00}, {$140.00}, {$480.00}, {$410.00}, {$270.00}, dated XX/XX/XXXX and another on XX/XX/XXXX with the amount of {$240.00}, and I called the collection number that is from from the XXXX XXXX XXXX XXXX XXXX, to obtain more information and they tell me that I do not have those amounts in collection, what should I do in this case? If they tell me that those dates are not there, let alone those amounts, but it continues to hurt my credit.
Consumer complaint received 2022-12-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (FL)

CFPB XXXX XXXX XXXX XXXX On a recent check of my credit reports I see there is a collection/charge off account from XXXX XXXX XXXX saying I owe a debt of {$1600.00} that I do not recognize. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract authorizing a third party like yourself to collect on this debt.

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am requesting that you cease and desist from all collection activity pertaining to this account. 

*** You are only to contact me via the Consumer Financial Protection Bureau ( CFPB ) website so that we have documented proof. 

I am allowing you a period of 30 days or less to produce this information. If youre unable to validate the account, then you must remove the collection account from the credit reporting agencies. 

Enclosed with this CFPB complaint are : My drivers license that shows identity + mailing address This letter
Consumer complaint received 2020-01-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P. (PA)

Company is Credit Protection Assocation. They have repeatedly have been trying to collect a past due XXXX XXXX bill that does not belong to me and from an address i have never resided at. Have had debt removed twice and they keep putting it back on and will not provide me with any authorization of debt. Also they keep closing out the debt only to reage account to collect past statue of limitations. Amount is for XXXX from XXXX XXXX my local gas company. Although i have never had XXXX XXXX services in my name ever. Plus when you call the number on credit report to reach company it is not the correct company it is something called XXXX XXXX XXXX. Have alsonhad removed from other reporting agencies however XXXX  doesnt seem to want to help either they seem to verify false information to keep listings on report that are not valid or wrong.