davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have no clue what's going on so I have no choice but to file a complaint. Equifax, XXXX, and XXXX  have received my disputes XX/XX/XXXX and still have not been able to give me my dispute results. Today is XX/XX/XXXX This is almost 2 months with no response. I found a ridiculous number on inaccuracies and misleading information that's making it hard to get credit. I found that the bureaus are in violation of the Fair Credit Reporting Act. I, the consumer have rights that are being violated under the FDCPA as well. The bureaus have 30 days to investigate pursuant 15 USC 1681i and failure to do so means these items should be promptly deleted. You are also in violation of my CONSUMER rights to privacy pursuant 15 USC 1692b. These violations make me think you have been practicing unfairly this entire time.
Consumer complaint received 2016-02-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stephens and Michaels Associates, Inc. (NV)

XXXX XXXX XXXX out of XXXX Mn. reported a charged off XXXX cell phone on my credit. The cell phone is not and was never my cell number. XXXX is a debt buyer and transferred me Stephens and Michaels and Associates. I informed Stephens and Michaels that the cell number and bill are not mine. The Agent ( XXXX ) told me I need to file a police report. I asked if I filed a police report would that remove this account from my credit. She responded, " I do not know, I do n't have anything to do with credit reporting '' so, I asked what I should do to get this removed from my credit since it is not my account. she said she can validate my debt, by sending me the last couple statements. Unfortunately this does not solve anything. Validating the debt does not help remove a wrong account from my credit. The onus should be on XXXX to prove they legitimately opened this account. they should prove that they verified the social security number prior to opening account. Stephens then referred me back to XXXX. I called XXXX and they refused to speak to me about my credit report. they said I need to speak to Stephens and Michaels. I explained that Stephens and Michaels could help me. I told the woman at XXXX that they put this on their credit an I need them to tell me what I need to remove it and they said " sorry ca n't help u '' and quickly transferred me back to Stephens and Michaels. This is not my account and I want it removed from my credit. XXXX has an " XXXX '' rating with XXXX. they obviously do not care about doing the right thing.
Consumer complaint received 2022-11-12
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. (ME)

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. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX have 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 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 2022-02-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Homie Technology, Inc (DC)

Our family was subjected to deceptive, coercive, and in some cases illegal, loan practices by Homie Loans, followed by deceptive, coercive, and threatening behavior by our Homie real estate agent, neither of which had our back, but rather, appeared to be actively working against our best interest. 
The loan process was beset by confusing XXXX game tactics, errors, and untruths. Even worse, our loan disclosures were given to us too late to rectify. In other words, it was sign or else. No one likes to be coerced or threatened. 
In the case of the original disclosures, they were provided a full 5 days after our loan contingency had expired. In other words, we only got to see preliminary numbers after it was too late to rectify them. 
We didnt receive our final disclosure until 4 days after our closing date. That is XXXX XXXX XXXX XXXXXXXX  timing. 
Instead of working to rectify our many issues, Homie Real estate threatened us with an action that was forbidden in the contract, and then offered us increasing amounts of money outside of escrow, a practice that we believe to be illegal, unethical, and immoral. 
Homie also actively put our XXXX money at risk, allowing or facilitating our money to be moved from a safe XXXX party escrow account into a Sellers brokerage account. 
All of these actions, and many more not included in this report for brevity, caused us to lose the house that we had selected for our family and suffer a catastrophic loss of our XXXX money, an amount totaling {$7000.00}. This has caused stress in our marriage, sleepless nights, a period with no home, and the inability to purchase another home because of the loss of our XXXX money. In addition, it has caused numerous man-hours in creating this and other reports for review by various legal and regulatory bodies. In short, this event was catastrophic for my family at a time when we are already under duress from countless other outside forces.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

due to negligence and falsified information being reported from consumers, I have been struggling to obtain financial assistance during the economical impact that COVID-19 has brought for thus another year. I have many unverified accounts that present invalid information. I have attempted to reach out at the least 3 times, every 30 days with no results or answers relevant to my demand of validity. I am seeking a final step before legal actions are taken upon all three credit bureaus. they have all failed to respond within 30 days. I demand Justice. The bureaus allow this terrible work ethic and don't do a good job validating correct information. So many people have been failed by the bureaus lack of care and it is time to protect our rights. I have sent both my dispute requests and a failure to comply letter to all XXXX bureaus which i will include in this report.
Consumer complaint received 2018-03-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: GOLDMAN SACHS BANK USA (CA)

The account agreement with XXXX by Goldman Sachs states that wire transfers will be considered same day if received by XXXX XXXX CT ( XXXX XXXX XXXX   ) page 19 bullet 3. 

This is also repeated on the website " Wire transfer requests made after XXXX XXXX E.T. or on a non-business day will not be processed until the next business day. '' ( XXXX XXXX XXXX ) However, when calling the bank they said their business policy was actually XXXX E.T. and in discussions with a supervisor in customer support they hung up on me.
Consumer complaint received 2017-05-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

I have been receiving repeated calls by  Portfolio Recovery  since   XXXX   XXXX    2017 a t  XXXX . This company reported an account from   XXXX   XXXX    XXXX   XXXX   on   XXXX   XXXX    2017 in the am ount of {$1700.00}. This collection agency is in violation of FDCP A 809 ( a )  for not providing a collection notice within 5 days after initial communication. This was not done 5 days after the initial call, nor 5 days after reporting it to the  Credit  reporting agencies.
Consumer complaint received 2015-08-05
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Monterey Financial Services LLC (GA)

I took out a loan with XXXX to have a procedure done. They quoted me for XXXX dollars but only provided the doctor XXXX and I still had a balance with the doctor of XXXX. Moreover, I would pay back XXXX dollars for three years XXXX a month. I hit hard times so I missed XXXX payments and also decided not to have the procedure done. I was told todat by the doctors office that XXXX rescended their loan and that the doctors office sent them their money back. So I should not have to pay anything because not only did they pull their money back I never got the procedure.
Consumer complaint received 2023-06-12
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: JPMORGAN CHASE & CO. (AZ)

I reviewed by Credit Report and noticed that I had 1 late payment in 2019 that I was never late on. I have never been late on any payments for the account ( Account Number : XXXX XXXX XXXX XXXX ) and also have never been late on any payment to another creditor. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments to be updated to reflect " on time '' as they should be as I was never late. Thank you for your time.
Consumer complaint received 2022-02-21
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. (NV)

I sent Experian an FTC Identity Theft Report ( Exhibit A ) and a letter ( Exhibit B ) stating that they have used my personal and private information to publicly report inaccurate information. Identity theft is defined in 12 CFR 1022.3 ( h ). I am entitled to privacy concerning my personal information. I requested that certain information be deleted as of a result of the identity theft. Experian stated they " completed '' an investigation into my claim of ID theft and the claims were unverified and the companies that I demanded to be deleted requested further information. Pursuant to 12 CFR 1022.3 ( XXXX ) ( XXXX ) the FTC report is valid and sufficient evidence that I am an Identity theft victim and any request for additional information is not reasonable in this case. I demand that this information be deleted immediately upon receipt of this letter.
Consumer complaint received 2020-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Retail Merchants Associates (LA)

I have several delinquent accounts being reported on my credit report. I have full medical coverage, I don't even recall going to the doctor as much. I notified Medicare, Medicaid, and AETNA, all 3 insurers told me that no bills were ever submitted. I never received any bills either. If I were my insurance company would have paid them in full. If you look at one agency they removed a dispute I filled out, but left the rest. I want all negative accounts removed immediately. They can contact my insurance company as I did, and find out that I owe nothing. Godspeed
Consumer complaint received 2022-02-22
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: M&T BANK CORPORATION (NY)

We received 4 demand letters dated XX/XX/2022 stating we may be at risk of foreclosure because we were 37 days past due. The payment furthest past due was paid on XX/XX/2022. I called the company as I am familiar with mortgage collections and know you can not be at risk of foreclosure until youre 60 days past due. I was told that I should not have received a demand letter and they dont know why it happened and could offer nothing other than an apology and they submitted a complaint that I may or may not hear back on.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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. 

Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX  Account NumbeXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2020-12-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bridgecrest Acceptance Corporation (AZ)

It was XXXX and I got into a car wreck and reported it to XXXX and Bridgcrest. Then XXXX and I froze my account so I don't pay on a wrecked car and then i called Bridgecrezt and asked them what i do the gentleman told me to pay off the last month and I should be good for the car will dont by that time. I payed off what he told me to pay and then i got informed that XXXX and bridgcrest weren't communicating and I had missed payments on my bridgcrest account. The lady said there is nothing they can do to help me since they didn't communicate with XXXX to get car totaled and they won't do anything about reporting the late payments. They have a great pay record with me never missed a payment and they won't help fix their mistake that hurt my score.
Consumer complaint received 2020-06-08
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 — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO. (MA)

I was shocked when I reviewed my credit report and found late payment on my payment history with your company. 

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 2023-02-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (PA)

I sent a payment to someone to purchase tickets for a same-day game through Navy Federal Credit Unions app under its XXXX section XXXX When I tried to send the money I received an allert on the apps screed stating the following language For your protection, we placed your payment on hold. Please call us at XXXX to remove the hold on this payment. Your payment will be cancelled on XX/XX/2023 at XXXX XXXX  PST if you do not call us to resolve this issue by then. 

I thought that was strange as I never saw a message like that before and decided to just purchase the tickets through XXXX. A day later I received an email saying the money had been taken from my account. When I called navy federal credit union to reverse the transaction since I never called to re-authorize the funds being sent, they told me it was nothing they can do. I explained that it was fraud because although I initially sent the money once they stopped the payment and said they would only send it once I called to confirm my identity, I never gave the authorization for them to try to push it through. Navy Federal is still saying there is nothing they can do so I am out of my money although I never called to give authorization. Furthermore, the money was for tickets which wont even be valid as the person was not only a scammer but the game has passed.
Consumer complaint received 2021-12-20
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (TX)

I applyed for a credit card at XXXX XXXX which i have never recived, and i think somesody is using it. Screwing all my credit. What i think is that they sent it to a wtong address.
Consumer complaint received 2020-12-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NCSPLUS INCORPORATED (PA)

On XX/XX/XXXX I went to XXXX XXXX XXXX after calling in advance to find out what the cost would be to be seen by a doctor. I was given the cost and paid in XXXX installments. I have been receiving collection notifications in the mail for the visit on XX/XX/XXXX. I have called several time concerning this bill and after several unsuccessful attempts I was told by a manager that I was being billed for being treated by the doctor. I have been told that {$270.00} I paid was for the use of the facility and the collection notification I'm receiving is the cost for a XXXX treating me.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

XX/XX/24 i sent experian a letter asking them to verify the debt that they are claiming to be verified. It has been over 30 days and they have yet to get back to me with my request. I mailed it certified so i know they have received this request i wish to resolve as fast as possible
Consumer complaint received 2020-12-27
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: PORTFOLIO RECOVERY ASSOCIATES INC (HI)

On XX/XX/2020, PORTFOLIO RECOVERY add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOVERY has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2020-12-27
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: FAIR COLLECTIONS & OUTSOURCING, INC. (HI)

On XX/XX/2020, FAIR COLLECTIONS AND OUT add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA FAIR COLLECTIONS AND OUT has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2020-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I submitted a complaint previously and experian did not investigate properly. XXXX is lying and experian does nothing to investigate this. The whole reason they cancelled this is due to their employee making an error so I received a debt cancellation letter from XXXX XXXX XXXX and I was advised they would remove the account from my credit report it was not completed. I previously supplied the debt cancellation notice but it was for the other borrower of the loan and experian didnt feel that was sufficient and they didnt ask me for one they supposedly went to XXXX  and they didnt supply it, when if you receive a 1099c notice for one then that technically goes for the whole loan but I am resubmitting this with the cancellation letter that was sent directly to me. XXXX XXXX should be removed from my credit report they even changed the balance to XXXX but the account should be removed. I will provide documentation where they advised the IRS of the debt cancellation for both holders.