davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-12
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. (FL)

RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : XXXX XXXX XXXX To Whom It May Concern : I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program and I saw two incorrectly trade lines for an account from XXXX for XXXX XXXX , both in the amount of {$380.00}. The account status says past due and it should not say that as this debt is not owed. I am requesting both a validation and " verification '' as well as the signed HIPAA release my signature as the item being reported to Experian by XXXX is a VIOLATION of the HIPAA Act of XXXX. 

XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by Quest providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against XXXX as well as XXXX XXXX should this item not be deleted within t10 business days and until the debt has been validated and verified. XXXX is in direct violation of HIPAA regulations, and they are facing fines up to {$1000.00}, even possible jail time. I am seeking a legal remedy immediately as I have contacted Legal Services to obtain an attorney for free to file suit against XXXX, XXXX XXXX, and all 3 credit bureaus : Experian, XXXX and XXXX. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from XXXX expeditiously as I have no idea where this debt is coming from and I do not owe this company any money. 

Additionally, I can prove that at the time of service, I was both unemployed and homeless. I completed the financial assistance forms, which should have taken care of any costs associated with my medical care.
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts : XXXX XXXX  XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX  XXXX has violated my rights. 
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 2021-10-13
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I purchased an item from XXXX XXXX and returned, XXXX was contacted for pickup, the merchant claims they never received the item from XXXX so I contacted Capitalone to dispute, I sent over the information as requested, they claim they never received, there is no way to send them an email, only fax which obviously they don't monitor, they closed my dispute
Consumer complaint received 2020-12-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (TX)

Contacted the company and disputed the debt in question was not mine at all someone had illegally and with out my knowledge or permission opened the account. The company responded that they investigated and the account is not mine. They didn't and have not taken the account off my credit report and out of my name and that's what they're supposed to do so please get this removed off my report and out of my name
Consumer complaint received 2021-10-13
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: TRANSWORLD SYSTEMS INC (IN)

Transworld Systems Inc contacted my employer and i have attached the document my employer forwarded to me ( wage garnishment ) for about {$290.00}. After that garnishment took place, Transworld Systems sent me another Collections notice ( which i have attached ) for {$10.00}. How could this be when the previous garnishment was {$290.00} and this collections notice states the previous balance was {$250.00}? 

This is fraud and I can not afford to have them contact my employer again and whatever this collections notice is for it should not apply to my account as they garnished {$290.00}. 

I would also like them to remove any negative entries with all bureaus as there are bureaus outside of the big 3 that most people do not know about, however, Transworld Systems does report to them!!
Consumer complaint received 2023-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (VA)

My federal student loans are held my MOHELA. 

On XX/XX/XXXX, I submitted a XXXX  Application to MOHELA, asking for XXXX certification of my federal government employment from XX/XX/XXXX to the present ( XX/XX/XXXX as of the date of submission ). See attached XXXX application, downloaded from my MOHELA " Documents Received '' tab. 

On XX/XX/XXXX, I used the MOHELA online webchat feature to contact MOHELA because I saw that my XXXX  Application, dated XX/XX/XXXX, was processed ; however, no other information was on my account ( i.e., no updated payments, no letters, notifications, etc. ). During the chat session, the MOHELA representative informed me that MOHELA denied my XXXX  application on XX/XX/XXXX. I asked the MOHELA representative what was wrong with the application. The MOHELA representative reviewed my application and determined there were no errors ; she also indicated she would submit a discrepancy report, asking for my form to be reviewed. She informed me that review could take up to 30 days. See attached webchat transcript. 

This is unacceptable. I submitted my XXXX  form nearly four months ago, and now MOHELA can not even process the simple two page form correctly. I am due to have my loans forgiven once this XXXX  application is properly processed, and MOHELA is delaying my forgiveness due to its own careless handing of my student loans.
Consumer complaint received 2021-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

I had a AARP VISA CHASE credit card. I received a letter letting me know that the Chase AARP credit card was going to be closed and XXXX was taking over the AARP credit card as a Master card but I could opt out. I DID ask to opt out and called the number they gave me to opt out. 

I recently received a refund for a purchase at XXXX XXXX for {$1800.00} which went back on my AARP VISA CHASE credit card which is now closed. 

I called Chase to ask how this would be resolved since that card was closed. Where would my refund go? They told me that they no longer have my account information and that had all migrated to XXXX ( even though I asked to opt out ). I spoke to XXXX XXXX, Chase Account Supervisor, XXXX. I was told that there was nothing she could do and to contact XXXX. 

Ive tried to contact XXXX but XXXX cant get a person on the phone. Its on automated hold until the calls just drop off. They are based out of the XXXX and dont have any local branches. 

I never gave Chase permission to give my information to XXXX.
Consumer complaint received 2021-01-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (CA)

Phoenix Financial Services placed an old time-barred medical debt on my XXXX  credit report on XX/XX/2020 that had already been removed from my credit report because of the age of the debt after I had disputed it. It had previously been placed for collection through XXXX XXXX XXXX of which I have documentation of the account being removed from my credit report. I had not received any written notice by mail or otherwise about the debt or that they had bought this old debt. There have been multiple complaints against the company for the same devious business practices, and I am going to file complaints with every available government consumer agency and the California Attorney General 's office. They have now today placed the collection on my XXXX  credit report. These need to be removed. This is ILLEGAL.
Consumer complaint received 2022-10-30
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. (CT)

In XX/XX/2022, I found out my current account was closed due to non-usage and spoke with the credit card company and was advised of the new policy of the card account 's new procedures and was advised the account was going to be reinstated. Since XXXX the account has not been reported to the three bureaus as open/never late and I was advised the credit card company would do so. It is now XXXX and the credit card company has not done so I also asked the three credit bureaus about the account status and that I have a current balance and would be advised of the update. The credit bureaus are saying that the account is still closed when as of today I have a current balance.
Consumer complaint received 2022-10-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

XXXX My wife has fixed rate interest with citizen bank 4 % for 10 years agreement. 
Based on the agreement it will be 4 % per year but now citizen bank charged 4.750 %. 
I called to ask why it more than that we agreement. The representative said that the interest rate will base on federal interest rate not citizen bank loan rates. 
Since the federal rate higher so my wife has to pay more. 
I feel that we have been missed leading from citizen bank because at the day my wife sings the agreement. The person who assistance us told us it will be no more than 4 % interest rate for 10 years agreement. She didn't say anything about the federal interest rate. I just learned from calling today. 
If we have XXXX versions of the agreement? 
XXXX, 4 % interest rate with the citizen bank. 
Second, Floating rate with federal interest rate. 
The citizen bank mislead us about the 4 % interest rate for XXXX. If the citizen bank put the Federal interest rate on everyone?
Consumer complaint received 2020-07-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCarthy, Burgess & Wolff, Inc. (SD)

I have opened a new XXXX  account last year, initially they informed me that there is a problem submitting my order, so they started a new account ( all the bills are paid up-to date ). Now they have charged me {$180.00} on the account that had the problem submitting. Eventually they submitted this amount into collections agency XXXX, Mccarthy and wolfe company, since then I have been trying to resolve the issue. I have submitted a dispute and they came with the result and said I need to pay that amount. This amount is wrongly charged and it is XXXX 's mistake, they are not willing to resolve the matter. I had talked to a person on XXXX side who had confirmed that the charges are invalid and they said they were going to resolve the matter, I am still receiving debt collection calls.
Consumer complaint received 2022-10-31
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. (CA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to correct this suspicious account. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX  XXXX XXXX Balance-
Consumer complaint received 2021-10-13
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: Accelerated Financial Solutions, LLC (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The XXXX and XXXX failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
ACCELERATED FINANCIAL ( Original Creditor : XXXX XXXX XXXX XXXX ) -XXXX-Balance {$290.00} XXXXBalance {$290.00}
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

Jefferson Capital says I have a debt with XXXX XXXX for {$390.00}. I haven't had an account with XXXX since 2012 and cancelled the account in good standing. This is the first that someone has attempted to collect anything.
Consumer complaint received 2021-01-08
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. (TX)

I received the following from the Credit Reporting Agency -- -- - According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item. We review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. I have complained against XXXX multiple times. Many cards were stolen from my office, used, and then fraudulent payments were made to allow continued charging to exceed the credit limit. My credit limit was {$7100.00} and MY balance was {$5900.00} as of XX/XX/XXXX. Card was stolen sometime first of XXXX. I filed attached sheriffs report in XXXX and then had XXXX of water from Hurricane XXXX after the XXXX tax day flood of XXXX. I was having payments scheduled at the first of the month to be paid on statements due date when I received my paper statements. Then mail was stolen from my rural mailbox. I was not using the card but paying off after XXXX and two floods. All charges starting XX/XX/XXXX were not mine. There were fraudulent payments that started on XXXX of {$2400.00} and returned the same day, on XXXX of {$2400.00} and returned the same day, on XXXX of {$7000.00} and returned on the same day, on XXXX of {$2000.00} and returned on the same day, on XXXX of {$10000.00} and returned on the same day. See attached statements. {$24000.00} of bogus payments within one month and not do anything???????!!!!!! Two months of returned payments and they didnt contact me??!! XXXX should have been alerted on XXXX and contacted me then. See Chases attached letter dated XX/XX/XXXX. I had asked for the payment methods used to make the fraudulent payments and XXXX denied the request. XXXX further states However, once an EPAY is returned because we were not able to locate the account, we suspend that account. {$24000.00} of fraud payments in two months and then suspend an account????!!! I should have been contacted at the least and especially for the over-the-limit transactions. But XXXX was phone calling the thief. In the attached latter dated XXXX, XXXX states the bogus phone number was removed and they do not know how the thiefs phone number was added.????? So, XXXX was talking to the thief, accepted more than {$24000.00} of fraud payments, allowed more than {$7000.00} of charges, and allowed the credit limit to be exceeded more than {$6000.00}. And XXXX sees no fraud?? I had good credit and was faithfully making my payments because I didnt have {$6000.00} laying around to pay it off. Now XXXX holds me responsible because they dont have a modern system to alert them.
Consumer complaint received 2022-10-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

I have an account with XXXX XXXX  XXXXSynchrony Bank XXXX I made a one time payment from my checking of {$78.00} amount due on XX/XX/2022. On XX/XX/2022 and XX/XX/2022 two other debits totaling {$150.00} was taken out of my checking account. I did not sign up for automatic drafts out of my account. I called my Credit Union and informed them of the issue. I completed a stop payment form as per the branch manager. She couldn't guarantee that in the future it would not happen again. I reached out to Synchrony Bank and was told I could not get my refund and that I would have to call back. It was almost impossible trying to understand the customer service representative. I was also placed on hold for most of the conversation for long periods of time. Please help me in retrieving my monies. I am a XXXX XXXX XXXX XXXXr trying to work and pay my bills on time. I really appreciate your help.
Consumer complaint received 2021-10-13
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. (NV)

On XX/XX/2021 I sent a letter to Equifax in regards to XXXX XXXX loans that are charge-offed and reporting incorrectly on my credit report. Equifax validated the debt eventhough it is showing charged off every single month and none of the information was validated, because I had it validated with the other bureaus as well and they are claiming that their information is validated as well eventhough it doesnt match for the exact same accounts. I then sent a factual dispute letter on XX/XX/2021. Equifax has not responded at all, but they did change the charge-offs to late payments. You can not report late payments on a charged off account. None of the other information addressed in the factual dispute was corrected as well and they have been asked several times to provide information on how they are validating the debt and they refuse to provide that information.
Consumer complaint received 2022-10-30
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. (UT)

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # 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 an account without my written instructions.
Consumer complaint received 2021-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (NC)

We have been a BB & T Customer for over 20 years. The BB & T service including unrestricted access to viewing our accounts online has been very good with no complaints or problems. Recently, with the finalizing of the merger of BB & T and SunTrust into the new entity Truist, we tried to access our checking accounts online.

Before we can access our accounts online, we must first " agree to '' or consent to a Truist Electronic Signature Consent, which among other items forces us to " agree to '' receiving monthly statements electronically, something we do not want to agree to. The Truist Electronic Signature Consent, states that after we agree to receiving monthly statements electronically, we can change our preferences ( opt out ) and received printed copies of our monthly statements, although the Truist Electronic Signature Consent further states that we " may be charged a fee '' for " opting out of electronic delivery of monthly statements ''.

If we do agree to or consent to the Truist Electronic Signature Consent, we can not log into and view our accounts online, something we routinely did with BB & T for many, many years with no issues or constraints. Essentially, Truist is now forcing us to " agree to something we do no agree with '' prior to allowing us access to our online accounts and implying, or in fact threatening if we subsequently opt out of the electronic delivery of monthly statements, we could be charged a fee. We are currently " locked out '' of our online access because we are reluctant to being forced to agree to something we do agree with, as part of the Truist Electronic Signature Consent. Again, no such constraint existed last week before the finalization of the merger when we could routinely access our BB & T online account. 

This process just went into effect on or about XX/XX/2021 and numerous calls to the Truist customer service phone line and discussions with Branch personnel indicated that there is nothing they can do about this Truist Electronic Signature Consent policy. 

Attached is a letter I forward to the Chairman and CEO of Truist on XX/XX/2021, expressing both our surprise and disappointment with this coerced Truist Electronic Signature Consent policy, which again is now preventing from accessing our online accounts. 

Can Truist force us to agree to something we do not agree to with an implied threat of a fee, if we first agree and then opt out, in order to access our online checking accounts?