davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-01
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: LDF Holdings, LLC (WA)

On XX/XX/2018 I was contacted by XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX, NY. She said I owed money to a company and when I asked her to send me a debt validation notice she said " I am sorry we are way past that and I am giving you a courtesy call before we file papers ''. I told her I am not paying anything until I can validate this alleged debt. She also contacted me at my work and called my girlfriend 's cell phone leaving messages on both. I very firmly told her to never contact my girlfriend again and to not contact me at work again. I said, you have my cell number so you know where to find me. She then threatened to contact my HR department to garnish wages. 
On XX/XX/2018 I was contacted my Ms XXXX from XXXX XXXX. She also called my girlfriend and called me at work again. I told her I have repeatedly told your company to never call me at work or contact any of my friends or family. Ms. XXXX also left a voice mail telling my girlfriend she had papers for her too! Once again, during our phone conversation she never stated she was a debt collector or read my mini miranda rights. 
On XX/XX/2018 I get another call from Ms XXXX from XXXX XXXX XXXX. She also called my girlfriends cell phone and called my work number again after numerous times telling to not call me there. I never have received a debt validation notice or have they ever stated my mini miranda rights. I am beyond upset and so mad. This company breaks several Federal laws under the FDCPA. This company believes they are above the law and operate so. They make false threats, intimidate, and lie to you. I have contacted a lawyer already to pursue legal action if they don't stop with their illegal tactics.
Consumer complaint received 2018-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

I went through all the steps on XXXX to obtain my free credit report from Equifax. It has been several years since my last request, so I am clearly eligible. However, after going through all of the verification process on the Equifax website ( ported from XXXX ), the result was " Online Delivery Unavailable '', and I was directed to complete and mail in some form, with several attachments to " verify identity ''. This is XXXX and effectively excludes me from obtaining my government mandated free credit report. I'm sure that any potential creditor requesting my credit report from Equifax would obtain it instantly ( otherwise, Equifax would be out of business ), so this is clearly discrimination  between " paying customers '' and myself as a member of the general public - a disparity the law was intended to correct.
Consumer complaint received 2020-07-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (DC)

On XX/XX/XXXX, I called Navy Federal Credit to inquire about refinancing my mortgage and to take cash out. After the loan officer excepted the information and completed the application via phone ; I informed the Loan Officer not to submit the application until notified due to a dispute on my credit file and one that the Department of Insurance , Securities, and Banking is working to resolve. On XXXX XXXX or XXXX, XXXX, I received a letter from Navy Federal Credit Union indicating that my loan was denied for the following reasons : 1 ) insufficient income, and 2 ) a delinquent account that is more than 8 years old and was disrupted. Navy Federal Credit Union never verified my income because I never provided proof of said income but I did grant permission to pull my credit report at a fee of {$19.00}. Please help me to understand why the Navy Federal Credit Union submitted my application without my permission. ( Please feel free to ask Navy Federal Credit Union for the recording of the transaction ) Around the week of XX/XX/XXXX, I called Navy Federal Credit Union to inquire about why they submitted my application without my permissions and I was transferred to a supervisor where I left a message and as fo date ( XX/XX/XXXX ), I have not heard from the said supervisor. However, I did receive an invite to complete my application online on XX/XX/XXXX, at XXXX XXXX. Additionally, after I had been granted pre-approval from XXXX  XXXX to purchase a car ( XX/XX/XXXX ) and attempted to complete my Navy Federal Credit Union Mortgage Application, I made a decision not to submit my mortgage application to Navy Federal because " they " continue to deny me credit even for a car loan. This organization lending practices appear to be impartial and should be investigated. I will close my account with Navy Federal Credit Union in the future in order to continue my banking relationship with XXXX  XXXX XXXX who appears to be inclusive in lending to communities of XXXX. Thanks
Consumer complaint received 2018-10-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (NJ)

checked my credit reports and found a few Derogatory marks in the beginning of the month that I do not recognize XXXX XXXX XXXX. When I called they could not verify my information and/or provide information about the debt claimed that I owe. On my credit reports it shows that I owe them {$860.00} on one account and again another {$1300.00}.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any inquiries listed on an ID theft report. Please find the ATTACHED documents to assist in the removal of the erroneous information that is being posted to my report. 

Here is the list of inquiries that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (KY)

Approximately three years ago, XXXX XXXX in XXXX KY treated me for XXXX XXXX. They subsequently sent me an erroneous bill because they used improper coding and date documentation according to my insurance company. I made multiple attempts to inform both my insurance company and this provider my insurance status. 

The billing staff at the provider did not cooperate such that my insurance company would pay the amount due. I do not owe the stated amount and in fact was not treated on the dates shown by them. 

I wrote to XXXX XXXX on XX/XX/2019 and subsequently spoke to a collections agent about the situation. They have refused to consider my side of the story. 

Experian has also failed to consider my multiple error reports or even contact me to inquire about the material facts in this case.
Consumer complaint received 2018-03-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE (LA)

I noticed that there was a XXXX dollar transaction cancelled on my Western Union account with the last four digits of a card number that I do not recognize. I immediately noted that my account must have been hacked. Thankfully, while no money was transmitted under my name, I was concerned about the breach and reported this promptly to Western Union. I was provided a ticket number XXXX, and advised that there would be an investigation. I was not contacted anymore thereafter. I desire to know what has transpired since that time.
Consumer complaint received 2018-08-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO. (AZ)

I initiated a international wire transfer through Chase Bank, and the same day after a few hours the fraud department called me to confirm it was an accurate wire transfer and to confirm the amount. I actually appreciated that and I told them I appreciated it. Then, they started asking me personal questions about my communications with the person I was sending money to and what the money was for. I explained they were not privy to my personal communications in any way. They said they will cancel the wire if I don't answer the questions they asked, I said go ahead and cancel it and I will find another way to send my money. They then locked down my account. I can not access my account at this time until I take two forms of identification to a branch location. I explained the wire was accurate and it was for renting an apartment for my vacation. That wasn't enough information for them. I am absolutely furious! How can a financial company company have this much power over my accounts without oversight? They have wasted a good hour of my time in the middle of my work day to deal with Chase 's unreasonable requests to go unlock my account.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AE)

Upon diligent review of my credit file, I've noticed XXXX XXXX XXXX Account XXXX is illegally reporting to my credit file. According the IRS a charge off is taxable event and therefore is considered income and should not be reporting to my credit file. Furthermore, a charge is a certificate of indebtedness and should not be reporting to my credit file. We are NOT questioning or requesting account verification with the data furnisher. I, XXXX XXXX XXXX a federally protected consumer hereby REVOKE, CANCEL and OPT OUT of ANY and ALL authorizations I may have given XXXX XXXX XXXX, written, unwritten, verbal and non-verbal per 15 usc 6802. As well as per 15 usc 1681 permissible purpose. Please note on the credit file XXXX XXXX continues to report despite selling the account to another company. Further furnishing of my non-public personal information is a continued violation of my Federally protected rights which will result in arbitration.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-03
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had filed a fraud claim in around XX/XX/2021 someone had stolen my edd debit card and emptied the account. A claim was filed but the BofA rep had not the proper knowledge of understanding of filing transfers separate from transactions, later brought to my attention when I contacted BofA to inform on the status of my claim. The rep explained the errors the previous BofA rep had made and he would note iton the claim., So he had to properly file the claim correctly. Also I received a notification from BofA about completion of review and concluded their original decision was correct.to my knowledge I have never known, received, any acknowledgement of any decision previously made by BofA regarding this matter.also it's been hard on myself having to deal with a bank that says one thing and is totally a false representation of what is preaches. They need to be held accountable for the neglect of following and conducting true process stated in cardholder agreement. Their reps need proper training on filing claims properly to avoid the dragging run around nonsense one has to overcome to get resolution. It is not fair to be serviced in a unprofessional practice over and over and over. Is there any true voice for we American people who work hard and pay fees for use of card by a bank who fails to improve it's service. May there be one day of goodness for easier and better resolution.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I sent letters to all XXXX XXXX, and Transunion about items on my credit report that are incorrect. Its been a month and I haven't received a response. I'm a single mother that is trying to by my family a home and this is the only thing i have left that is stopping me in the process.
Consumer complaint received 2022-05-03
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. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction or removal of the erroneous information about my account has been diligently neglected by TransUnion. Despite sending them the last letter, dated XXXX XXXX, 2022, for the said request, I have not received any response up to this date, XXXX 2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the items that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2021-06-25
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. (MA)

HI CRA 's and CFPB, XXXX XXXX, XXXX, and XXXX XXXX. 

Listen, there are about 3 items listed on my credit report that i been deliberately working with both the original creditors and credit reporting agencies to validate. I've called and mailed out several verification and validation letters to them and i only get a simple pre-printed template response that it's being verified as accurate. Well, I can honestly tell you that it's not in compliance with the FCRA consumer laws because there are so many and multiple inaccuracies, inconsistent reporting, incomplete and misleading information. I even called each credit bureaus as well. This is a violation of my consumer rights and it's not in compliance and it's causing these accounts as shown in the attachment to illegally re-aged. remove them all effective today.
Consumer complaint received 2024-03-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (MI)

This is my daughter debt and they want me to pay the bill. Which I feel is unexceptionable. My daughter had an agreement with them to pay not me. Even though I helped her to get the vehicle. This debt is messing me up on trying to get something else like to purchase a vehicle for myself. Please help me with this situation. My daughter name is XXXX XXXX and they need to go after her and not me. When shes was the one to setup payment with this organization not me. Credit Acceptance
Consumer complaint received 2018-08-01
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. (TX)

In XX/XX/2016 my husband and I applied for a HELOC and were denied because of a remark on our credit report. It stated that our loan was settled for less than the full balance ; acct paid, foreclosure started. This is not true and our monthly reporting shows that we paid our bill on time. We wrote letters to all three credit bureaus and were able to get XXXX to remove the remark from both my report as well as my husbands. We have not had any luck with the other credit bureaus. We have hired a law firm to help us and they successfully got XXXX to remove the remark from my credit report but the negative remark is still there on Equifax. We have spent countless time, money on the phone trying to get this matter resolved. We were told it would take at most 30 days to resolve after we sent in our proof that the loan was paid in full and two years later this is still a problem.
Consumer complaint received 2018-03-08
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GREAT LAKES (OH)

I have like XXXX accounts showing as negitive on my credit report and I only got XXXX loans XXXX are in good standings. XXXX are negative. No one wants to help me out. I keep getting the run around when I call to get this resolved. I also did not go to school in 2014 like it says when it was open. I feel that my rights have been vilotated.
Consumer complaint received 2018-10-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (NC)

A debt was added to my credit report, that I was unaware of in the amount of {$2200.00} acct # XXXX This is hurting my credit negatively and I need this removed as soon as possible and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX, but I am unaware of the amount due and your bill does not include a breakdown of any fees. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be  a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 



Sincerely, XXXX XXXX
Consumer complaint received 2018-07-30
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: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH (LA)

I ASK MY BANK IBERIABANK TO ASSISANCE ME WITH COLLECTING MY REFUND FROM XXXX XXXX XXXX ON CANCEL ORDERS WHICH THEY HAD PROMISE TO REFUND ME ... ..SINCE IT WAS WITHIN THE TIME ALLOWED ( 60 DAYS ) TO DO A CHARGEBACK ETC ... ..AND I GAVE THEM ALL THE SUPPORT DOCUMENT THEY NEED TO SUPPORT MY CLAIM ... ... I ALSO HAVE REPORT THIS COMPANY TO OTHER AGENTS AND IF ANY OTHER AGENTS YOU KNOW THAT CAN HELP PLEASE HEHELP ME ... THIS COMPANY OWES ME OVER 2,000. 

SINCERLY, XXXX XXXX