davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-29
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)

I received a 100 % VA XXXX XXXX XXXX XXXX determination XX/XX/XXXX with an effective date of XX/XX/XXXX. After which I applied and was approved for a XXXX XXXX XXXX XXXX discharge ( XXXX  ) of my student loan debts through the XXXX discharge office of The US Department of Education as of late XXXX. The credit report states the student loans as paid after I disputed/updated with each reporting agency. However, I needed a letter from the loan servicer stating that the derogatory information related to these loans should be removed. On XX/XX/XXXX, I contacted the department that I'd originally applied for the discharge through, and was told that I needed to contact the US Department of Education Resolution Group for the letter. When I called the first time and explained what I needed the representative said he would email the letter to me. However what I received didn't state that the derogatory information needed to be removed from my credit reports. I called a second time and spoke to a supervisor ( XXXX XXXX at approx. XXXX. The supervisor told me that my accounts were reported as XXXX due to VA XXXX and therefore did not qualify for credit report removal. He also stated that a normal XXXX discharge would remove the derogatory information, but that my account wasn't reported through the XXXX department. I submitted all forms and provided all documentation required to the XXXX department during the application process and believe there to be an error or misunderstanding regarding my student loan discharge and credit reporting.
Consumer complaint received 2018-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC (MO)

I have disputed this information with XXXX several times. National Credit Adjusters continues to list an account on my credit report in collections after I filed bankruptcy XX/XX/17 and this creditor had listed the account duplicate times on my report and continues to only update one account but not this account and it is affecting my credit negatively.
Consumer complaint received 2024-03-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (AL)

The company reposes the car and said l wasnt paying to pay this amount to get it back. But the car balance have not changed and when you call them they always try to make it seems as though you dont understand what they are saying. I asked for a statement and the lady stated we dont send out statements. So l really feel that this car should be almost paid off but the balance has not changed and l have had this car for XXXX years. Credit Acceptance is not fair to their customers. Im over {$700.00} a month and the balance hasnt changed.
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XX/XX/XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-06-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (LA)

CC JPMCB - CARD SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX medical PROFESSIONAL XXXX XXXX XXXX XXXX XXXX XXXX UNIV MED CTR PHX XXXX XXXX
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (FL)

gm financial in 2017 I needed assistance with my payments and asked for a deferment for XXXX and XXXX of 2017 this was suppose to be put to the back of my loan, and not reported late, last year I paid off the car, in a attempt, to purchase a home, I was denied because off the XXXX late payments in 2017, my credit XXXX XXXX I serious deliqlenquency when I XXXX 's day report it showed on GM FINANCIAL
Consumer complaint received 2022-01-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

There were unauthorized charges used on a home depot card in the month of XXXX that totalled over XXXX. XXXX XXXX sent me a text asked I'f id tried to purchase something and I advised no. The next day fraud dept called and we canceled the account. They told me charges never went thru so they issued a new card. They never told me about the other charges that were charged to my account that they allowed so I called them in XXXX dispute those fees. XXXX case was opened and until today they say I'm responsible for fees I never purchased at there store.
Consumer complaint received 2021-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (CT)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2022-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Alerted Bank of America of fraudulent activity on my account on XX/XX/2022. 

No money was credited during investigation and claim was denied with no message or reason why, after waiting 5-7 business days.
Consumer complaint received 2021-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RS Clark and Associates, Inc. (CT)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-09-24
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP (OR)

A letter was sent to me requesting a certain amount for a court case. The letter was written on XX/XX/XXXX. I received the letter on XX/XX/XXXX. The letter stated I owed an outstanding balance to the State for a traffic offense. And further said I have failed to pay the fine to the court and the amount due was too be payed to this " collection company '' The company 's name is Linebarger Goggan Blair & Sampson , LLP. It went on to say if I don't pay I will face legal remedies.
Consumer complaint received 2019-02-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Alabama Housing Finance Authority (WA)

In XX/XX/2018 XXXX XXXX  force placed my home owners insurance even though I had insurance in place. They didn't provide the legal amount of notice prior to force placing insurance. The issue was caused because they had in their system the wrong origination date. They also changed my loan number further causing issues when the insurance company sent a binder. This was all resolved after hours of dealing with them on the phone, but my biggest concern is the non-compliance with the legal requirement for a 45 day notice to force place that they didn't follow.
Consumer complaint received 2022-12-01
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. (MO)

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 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 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 2015-07-09
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (KY)

filed bankrupsy XX/XX/2007, XXXX mortgage was Litton Loan at the time. Was purchased by by Ocwen. Ocwen purchased a debt in bankrupsy, this loan was not reaffirmed, and according to our loan officer it is an uncollectable debt. Yet they call multiple times a day, as early as XXXX. They have added lawyer fees, late payments, and are ruining my credit score.
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This company is violating the Fair Credit Reporting Act. According to the FCRA, a consumer report shall not contain information solely as to transactions or experiences between the consumer and the person making the report nor shall it show any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The following accounts and balances shall be removed immediately : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-07
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. (TN)

Company 1 : XXXX XXXX XXXX  Open date : XX/XX/2020 Company 2 : XXXX XXXX XXXX In accordance with the fair credit reporting act. The creditor has violated my right 's. Under 15usc 1681, section 602 states that i have the right to privacy. 15usc 1681 section 604, section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666 B, a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose.
Consumer complaint received 2021-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2022-01-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Colony Brands, Inc. (MI)

I have an account with XXXX and I have been attempting to pay my bill online for several months only to be told by the system that I have no balance and no payment is due. I received a bill through the mail stating I have a past due bill totaling XXXX with a past due amount of 80.00.I called the customer service number and after being transferred to 3 different people I was transferred to XXXX id XXXX XXXX. She apologized saying there has been a problem with the system. I again explained how I have attempted to make payments but the system says I don't owe anything. She asked if I had called in to speak with someone and I informed her I had not seeing the system says there isn't anything due. I asked if the past due amounts would be reversed since it was the company 's system that gave erroneous information. She told me they could only remove 1 month and the balance after subtracting the late fee of ten dollars would be XXXX. I told her that was the amount of the bill i have before me and she stated the amount is XXXX. At this point I don't know what is true. I am being penalized for something that is entirely the company 's fault and being reported to the credit bureaus as having late payments
Consumer complaint received 2021-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (CT)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2021-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: NAVY FEDERAL CREDIT UNION (NY)

Hi good evening, So you would think with a credit card that has a limit of XXXX and is constantly being used for thousands of dollars in products with a quick payoff that NavyFed would take better charge of things. I called 2x telling Navyfederal that I was experiencing issues with the card declining my transactions for no reason at all. Their response was that I was inputting the card details wrong, blaming me and trying to indicate that I was an XXXX and at fault. I told them I never inputted any card details wrong and have always been using that card with all my transactions, they had no response for me. So I quickly requested a new card as I am in need of the card for everyday purchases and tired of the card declining with myself being blamed, lady on the phone said she will overnight me the new one after our call on XXXX. XXXX 2021, I called up today on XXXX XXXX 2021 asking the status of the card as I never received it, and the new representative said that the new card was not overnighted and that it will take 7 - 10 business days. I am beyond frustrated of this whole situation and now I have to wait for something I had nothing to do with. I have always spoke highly of NavyFed but you guys slipped on this one.
Consumer complaint received 2021-09-24
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (GA)

Hi. We recently place an item on XXXX for {$3500.00}. It was a marble bust with a pedestal and stand. Someone by the name of XXXX XXXX contacted me by text and said he wanted to purchase the item for a friend and that this would be a great gift for the friend, but he hadn't spoken to the friend in a while. He said can I send you a cashier 's check, and when you receive it can you deposit it in the ATM b/c it would clear faster. I said yes when the check clears, I will tell you where to pick up the item. I received the check on the XXXX of XXXX. I deposited the check and it cleared on the XXXX of XXXX. I text him that morning and told him the check cleared and I sent him my address as to where to pick up the item. He then told me he called the friend and was told that his wife passed away a couple months ago and he does not feel comfortable giving the friend the statue b/c it would be upsetting to him. He said could he have his money back. I said yes no problem. He them asked me to send him the funds by XXXX. I said no I'm going to send it back to YOU. He asked me to send it to him wife XXXX, but send it {$1000.00}, {$1000.00}, {$1000.00} then {$500.00} I said ok. which I did. Through my bank Chase. Chase XXXX a total of {$2500.00}. I did not know this man cancelled the check in the mean time. Something told me to check my account that's when I knew I was scam and that is was fraud. I saw my account was over drawn by {$1000.00}. So somehow I now owe chase {$1000.00}. Mind you I had only {$1.00} in the account prior to depositing {$3500.00}. I called Chase and tried to explain what happen, they don't want to hear it. Chase is telling me that because I voluntarily sent the money to someone by XXXX, I am responsible for the {$1000.00}. We tried telling Chase this was fraud, they said they know but I am still responsible. I need help and justice. We do not have {$1000.00}. I am in need help please contact me at XXXX. I add my email here b/c I don't know how to register on your page it only ask for login info.
Consumer complaint received 2021-07-24
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. (FL)

I have sent multiple dispute letters to the credit bureaus in regards to inaccurate reporting on my credit report. There are inquires reporting that I did not authorize and the credit bureaus have not removed this inaccurate information. There are multiple accounts reporting late and I have never been late on any of my accounts. Incorrect balance reporting. Inconsistency. Due to these inaccurate information, my credit score is impacted in a negative manner.
Consumer complaint received 2019-01-09
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: CIT BANK, NATIONAL ASSOCIATION (VA)

Have been trying to get a short sale done since XX/XX/2018. Ive gotten three contracts/offers on the property, and the mortgage company has been negligent in processing the sale each time. They continue to ignore me and my realtor, and have passed us around to more than a dozen different people, making it impossible to complete the transactions. Ive lost two potential buyers due to their incompetence. And each offer has gotten lower and lower. I was laid off from my job on XX/XX/18, and really would like to get the short sale done. CIT bank is the worst!
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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 XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX Bank # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : 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 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 2021-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (SC)

I paid off the debt XXXX XXXX and was told that the collection would be removed from my credit report. They have yet to remove this account from my credit report. It reported XXXX and XXXX as being past due and it is affecting my credit score. I have called and spoke with several reps that have stated " there isn't a supervisor available to take my call '' when asked to escalate me to one. This is reporting inaccurate information and needs to be removed immediately.
Consumer complaint received 2019-02-01
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (CA)

Several attempts in writing were made to Navient to provide original master loan instruments of debt to verify and validate. Documentation was not received in timely manner. Sufficient original promissory documentation listing them or the loan amounts and terms were not received. Navient is reporting duplicate and false info to credit bureau 's severely hurting my financial status with Navient deceptive practices. Navient sent a printed statement. Need quick help. Thanks,
Consumer complaint received 2023-01-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I sent a letter to Portfolio Recovery Associates , LLC alleged account number XXXX, dated XX/XX/2022 with certified mail number XXXX XXXX XXXX XXXX XXXX, in which they received on XXXX XXXX, 2022 XXXX XXXX, VA XXXX according to the XXXX website. 

This Unverified account is causing extreme Financial hardship and XXXX. It is making it extremely difficult for me to acquire credit.