davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates (CA)

After pulling my credit I noticed a collection account listed. I have never received any communication from The Law Offices Of Mitchell D. Bluhm & Associates to validate debt. 

I then sent over a validation letter to have them provide physical documentation to validate this debt & make sure they are allowed to collect this debt. I have received no response & contacted the original creditor to request a copy of my HIPPA release form. I have never signed off on a HIPPA release to have a 3rd party debt collector to have access my medical information.
Consumer complaint received 2022-11-05
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. (TX)

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.

has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of edXXXX XXXX Dept of edXXXX XXXX Dept of edXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-08-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (VA)

I started a loan with them in the amount of XXXX. They gave me a schedule on when it should be paid. I been paying them XXXX since XX/XX/XXXX. ItsXX/XX/XXXX and the loan has not sufficed. I called a rep stated due to Covid we are paying interest only XXXX in interest. I advised the payments have been the same since the beginning. They advised me they can change the rules anytime. This is entrapment Ive paid well over XXXX for a XXXX loan. I feel like Im trapped and its not fair at all to the consumer.
Consumer complaint received 2022-11-02
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. (SC)

XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2020-08-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (MD)

I got a loan from Santander back in XX/XX/2016 for a vehicle. The car value was close to XXXX, but I already had a vehicle loan with a XXXX income. I was quickly approved and left the dealership 30-45 minutes after arrival. I was past XXXX XXXX and I was the only client that had been holding up the reps at that dealership. I recently just disposed my paperwork with Santander, but I do have proof of business with them through email notifications. One time they tried repossessed my vehicle, when I picked it up, the hood of the car flew off not even a minutes after leaving the lot.
Consumer complaint received 2020-08-17
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: Synovus Bank (NJ)

I have a loan with FSTPROGRESS, XXXX XXXX XXXX, and XXXX I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, FSTPROGRESS, XXXX XXXX XXXX, and XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-17
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: Lockhart, Morris & Montgomery Inc. (NJ)

I have a loan with XXXX XXXXXXXX XXXX, XXXX XXXX Original Creditor : 14 XXXX XXXX   XXXX I ), and LOCKHART, MORRIS & MONT ( Original Creditor : XXXX XXXX XXXX ). I  have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : 14 XXXX XXXX XXXX  I ), and LOCKHART, MORRIS & MONT ( Original Creditor : XXXX XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-17
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: NCB Management Services Inc. (NJ)

I have a loan with XXXX XXXXXXXX XXXX, NCB ( Original Creditor : 14 XXXX XXXX   XXXX I ), and XXXX, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX, NCB ( Original Creditor : 14 XXXX XXXX XXXX I ), and XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-17
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

I have a loan with XXXX, XXXX XXXX XXXX, and XXXX I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX  with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-17
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)

I called XXXX XXXX to get tv service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me. Please get these fraudulent accounts off my report.XXXX XXXX {$2700.00} XXXX XXXX {$10000.00} XXXX  XXXX {$850.00} XXXX  XXXX {$440.00} XXXX  XXXX {$510.00} XXXX XXXX {$510.00} XXXX {$28000.00} XXXX  XXXX {$360.00} XXXX  XXXX {$200.00} XXXX XXXX XXXX {$380.00} XXXX XXXX  XXXX {$510.00} XXXX  XXXX {$190.00} XXXX XXXX XXXX   XXXX {$2700.00}
Consumer complaint received 2020-08-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bread Financial Holdings, Inc. (TX)

I received a Corona alert on my phone, stating customer during this time please make it a priority to return this call. Since I have been hearing so much about the phone companies putting alerts and notifications on the phone I thought it was something stating that I had been exposed to Covid or something. My heart was racing. I called the XXXX Phone number and it was comenity bank. This is an underhanded tactic, during this time no one should be allowed to do this. 


Map of XXXX XXXX, KS US XXXX XXXX, KS US Corona Alert Customers during this time please make it a priority to return this call at XXXX. Again that number is XXXX.
Consumer complaint received 2022-11-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Credit Services Inc. (FL)

i received a debt collecting letter from First Credit Services INC for the amount XXXX based upon the letter that i received ( attached ) it looks as though first credit services inc who is a debt collector is collecting on behalf of another debt collector XXXX XXXX XXXX. upon further research i learned that both companies first credit services inc and XXXX XXXX XXXX are not licensed to collect in my state of florida, with that i am certain that these companies have broken several laws.
Consumer complaint received 2020-08-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX I transferred XXXX dollars from my Chase account to my XXXX XXXX XXXX account using the chase quick pay function. 
Using the same information I made a total of 12 transactions and 11 of those transactions went through but one of them never went through. 
I submitted a request with Chase bank and they closed my claim saying that the money had been transferred. 
I have spent more than 25 hours waiting on the phone line and trying to talk to representatives from Chase and they have been extremely disrespectful towards me and very dismissive of my predicament. 
I tried to talk to XXXX XXXX XXXX numerous times and met with their representatives. They told me they couldn't help me as the money was never transferred from Chase. 
Finally a XXXX XXXX XXXX branch manager wrote and signed a statement and handed it over to me. That statement is a declaration from XXXX XXXX XXXX that the money was never transferred from Chase but Chase refuses to accept my request or even take my calls anymore. 
Every time I call their customer complaints they keep bouncing me off from one person to another. 
Please please help me. I am so done. This has caused so much stress in my personal life and wasted 03 weeks of my life.
Consumer complaint received 2020-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

Had two accounts credit cards through Synchrony Bank. Both started out XXXX and XXXX credit balances. After using and paying off the credit limits were dropped to XXXX and XXXX with the XXXX closing soon after. The second card was recently closed after an automated payment.
Consumer complaint received 2022-11-02
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (TN)

I have attempted multiple times through the month of XX/XX/2022 to pay a debt owed by contacting both the creditor and their 3rd party collector, midland credit, to arrange payment. I had set up an agreement with XXXX XXXXXXXX XXXX a year ago to consolidate debt, and after consulting an attorney I dissolved that agreement and cancelled any and all power of attorney on my behalf. I have alerted Midland of this on multiple occasions and attempted to pay the debt. Midland refuses to speak to me. I have audio recordings of these conversations verifying I am no longer represented by an attorney, and that I am calling to pay a debt. They consistently insist they have to receive verification directly from XXXXXXXX XXXX XXXX  that they no longer represent me. I have told them they can not legally speak on my behalf, and this is my account. They still refuse to speak to me. I can not discharge the debt, and its still reported to my credit by both Midland Credit Management and the creditor, with literally no recourse to pay or have it removed. This is an unfair reporting practice.
Consumer complaint received 2020-08-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (MS)

I was struggling already by the end of XXXX with Covid-19 setting in across the world. In order to pay off some debt until my income tax check arrived, I accepted an installment loan from Speedy Cash for {$680.00}. I made sure that I could pay the loan off early once I had the available funds and avoid the ridiculously high apr. If not, I would pay back nearly {$1500.00} for a {$680.00} loan! I made a very single payment up until XX/XX/XXXX when I used a balance transfer offer on my new XXXX XXXX to pay off the balance. The payoff amount was listed my main account page, the only amount other than payment due listed in the very limited information about my loan available online. The transfer showed it had finalized on XXXX but speedy cash contacted me saying my installment was in default. I emailed them back notifying them I not only had made the payment but that I had paid my loan off in full and submitted picture proof of the transaction. The confirmed receipt of the funds a few days later. Well now they have resumed debiting my bank account and show that Im behind several payments and my new payoff amount is over {$300.00}!!! How can I still owe on a {$680.00} loan when I made every payment + a lump {$520.00} payoff amount back in XXXX. I had paid them {$1000.00} as of XX/XX/XXXX while I only owed {$650.00}. Why wasnt my loan paid off? And how in the world do I still owe over {$300.00}?
Consumer complaint received 2020-08-17
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: Navient Solutions, LLC. (GA)

I have a loan with DEPT OF ED/NAVIENT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, DEPT OF ED/NAVIENT and XXXX XXXXXXXX XXXX with no successful resolution. XXXX, XXXX, and XXXX reporting me late. There was definitely an error on their part. I was never 90 days late ( XX/XX/2019 )
Consumer complaint received 2020-08-17
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX - XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2024-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

My Wells Fargo card got stolen and information was taken On XX/XX/XXXX a fraudulent check was deposited to my account for {$1100.00}. On XX/XX/XXXX an ATM withdrawal for {$400.00} was completed along with another ATM withdrawal {$720.00} on XX/XX/XXXX Since everything happen around XXXX on XX/XX/XXXX when the check was deposited and equal money was withdrawn I didnt notice it on my account. 
On XXXX XXXX I received an email from my bank saying that my account had reached XXXX balance thats when I checked my app and saw a negative balance on my account and I called the bank I filed 2 claims 1 for the check & the other one for both the ATM withdrawals ( {$400.00} & {$720.00} ) Well Fargo closed my claims and will not help at all now they told me I need to pay the {$1100.00} out of pocket in order for my account not to be at a negative balance or send me to collect
Consumer complaint received 2023-01-04
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. (NJ)

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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.

The did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because under 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions I did not give anybody written instructions.
Consumer complaint received 2020-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Absolute Recovery Services, LLC (TN)

Absolute Recovery XXXX, tn my car was vandalized an there was Gang members across the street Terrorizing us so I call the police and a police report me two weeks later nothing resolved so I took my family out of the apartment and left he gave the keys back to the apartment complex they told me it was a safe area and it was not I have health problems and on XXXX. Amount of {$1200.00} we left the apartment in good condition and we paid last months rent so I dont know where they came up with this amount
Consumer complaint received 2023-05-11
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. (NY)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (TX)

They add fees ( late fees, over limit, nsf ) to the minimum payment instead of you balance increasing you minimum payment. This cause payments to be missed and negative credit reporting when you can't afford to pay the very high minimum payment. This in my situation has caused me to close these cards and pay balance to payoff card..but they are still charging fees and interest when the accounts are closed. These cards are predatory.
Consumer complaint received 2020-08-17
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: Early Warning Services, LLC (MN)

I applied to open up a checking account with XXXX XXXX ID : XXXX, and was denied by Early Warning Services , LLC. I shouldnt have any adverse information on my consumer report with Early Warning Services. Early Warning Services is reporting inaccurate information on my credit report, and I am not able to open up a checking account. I have sent numerous letters to Early Warning Services in regards to this matter, and hasnt received any response from Early Warning Services. Early Warning Services is  using racist and discriminatory practices against me due to me being XXXX ( XXXX ). Its unlawful for Early Warning Services to be using discriminatory practices against me and reporting inaccurate information on my consumer report.
Consumer complaint received 2017-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

USAA refuses to deposit tax return check for {$41.00} and change. ATM will not accept the deposit. Closed branch in XX/XX/XXXX with no nearby branch for hundreds of miles. App does n't work. Same problem had in the past and they ca n't fix it. Requested 2x of 2 hour windows to call and they could n't do it, stated they were busy when calling 45 min or more later. Took photo as requested. Completely readable. Refused to deposit.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (MO)

Accounts considered charged off/Collections. These accounts are still on my consumer report and should not be. Wrongfully garnished wages with XXXX XXXX XXXX and I want my money back. Was never given 1099-C for any of these debts. I believe these companies are committing tax fraud.