davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management (NC)

I sent a debt collection letter to this Amerifinancial Solutions In the month of XXXX of 2019 Basically, I was asking them to validate not verify the debt they say I owe, In a response letter what they sent me back was a violation of my HIPAA rights. Because I did not sign any HIPAA release form with XXXX  XXXX XXXX, to share my information with the Amerifinancial Solutions.
Consumer complaint received 2023-05-08
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: DISCOVER BANK (FL)

In reference to my XXXX XXXX XXXXXXXX XXXX XXXX and Discover Credit Card, n accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for XXXX  purpose.
Consumer complaint received 2019-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (PA)

XXXX XXXX held mortgage until we were eligible for a modification ( two month window ), they transferred loan to Rushmore Loan Management Services after modification application and told two months until eligible. Rushmore also inspected and burglarized property upon loan transfer. I started process of filing complaint but the stress for me unbearable dealing with them as I am disabled. 
They have continued to create a financial hardship as they refuse to accept pay-off. 

Rushmore was paid in full by XX/XX/XXXX after disregarding application for loan modification. ( property had appraised for {$46000.00} and not XXXX as owed ) So we paid full amount owed. 

They dragged out each payment and I kept paying trivial amounts to pay off and they still would NOT release lien. 
Rushmore continues to bill us with XXXX in escrow in their hands and our loan paid off, including charging late fees and higher mortgage payments. 
It is XX/XX/XXXX and they continue to place fraudulent charges on this paid-off account.
Consumer complaint received 2019-06-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: New Century Financial Services, Inc. (NJ)

Receive a garnish at work. Never had a court date to challenge the debts. This company had been taking money out of my bank account many time for debts I know nothing about. I am tried of it happen and want put a stop to it. The name of this company is New Century Financial Services and the Attorney is XXXX & XXXX. They have cause me much pain and financial hardship over the pass couple years. I plan on getting debt lawyer. I believe what they are doing to me and maybe other is not fair or right. The last time I talk with someone on the phone they wanted me to prove I didn't owe the money how can I prove something I don't know.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

XXXX XXXX C/o XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Dear XXXX, This letter is to inform you that you are reporting inaccurate information on my consumer credit report which is not my info. The inaccurate reports are affecting my ability to obtain credit accounts. I will list below all of the inaccurate information. According to 15 U.S Code 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit-reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. According to 15 US Code 6802 a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 


Inaccurate Info XXXX  XXXX {$300.00} Limit Closed Account ( Opened XX/XX/XXXXXXXX  Closed XX/XX/XXXXXXXX  ) XXXX XXXX XXXX  {$1000.00} Limit ( Opened XX/XX/XXXXXXXX  Closed XX/XX/XXXXXXXX  ) XXXX  XXXX {$300.00} Limit ( Opened XX/XX/XXXX Closed XX/XX/XXXX ) Hard Inquiry XXXX XXXX XXXX XXXX Hard Inquiry XXXX  XXXX XXXX XXXX XXXX Hard Inquiry XXXX XXXX XXXX  XX/XX/XXXX Pursuant to FCRA section 607 ( b ), a consumer reporting agency must maintain procedures to avoid reporting information with obvious logical inconsistencies. The FCRA contains two provisions relating to civil liability to consumers for noncompliance. Section 617 provides that any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the consumer 's actual damages, and costs and reasonable attorney 's fees. [ 37 ] Section 616 provides that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to actual or statutory damages of up to {$1000.00} per violation, such punitive damages as the court allows, and costs and reasonable attorney 's fees. 
Sincerely yours, XXXX XXXX
Consumer complaint received 2019-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (AZ)

I am a victim of identity theft and somebody applied for a XXXX XXXX XXXX XXXX credit card account ending in XXXX. The account is a fraudulent account and dont belong to me. I have never applied for a credit card account with Chase. I would like to apply for an account with Chase Bank, but Chase will not accept any credit card applications from me due to the fraudulent account thats not mine.
Consumer complaint received 2018-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was recently denied a mortgage, unable to secure a HELOC for home improvement and other necessities. Upon pulling my report, I discovered that my score has dropped drastically due to five months of this account reporting as 30 days late, although I have never once been 30 days late. This has been extremely distressing for my family.
Consumer complaint received 2018-02-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

I started investing into crypto currencies with Coinbase. I've put in a couple of thousand dollars into the account and bought some cryptocurrencies. One day they decided to lock my account. That was back in XX/XX/2017. Upon sending multiple emails, they continued to ignore me until XXXX where they finally asked me to submit my ID which I had done upon opening the account. 

I resubmitted everything and could see that they have picked up the files and I continued to follow up as the reason why my account was locked was never given to me. 

To my delight I found out that they have established a call centre. I took the action to follow up through their call centre only to be abused because they couldn't tell me anything other than someone is working on it. You can imagine how upset I must have been. They basically scammed me out of my account and will not give me access or provide reasons whatsoever! 

It is now coming to the end of XXXX and I have lost all these opportunities to trade. I don't even know where my money is right now they would not even confirm my account balance. What sort of a financial institution is this? Please help me get my funds back!
Consumer complaint received 2023-03-22
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. (NY)

Equifax, XXXX, and XXXX have been and are in constant violation of the United States Codes that cover " Accuracy and Fairness of Credit Reporting. '' For my current and open account XXXX XXXX Account, XXXX has violated my right to privacy, reporting my private information regarding my open accounts payments. This is not a closed account. Yet According to 15 U.S. Code 1681 it states " 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' I do not consent in any way for my private status of my open and current account ( s ) under this account to be reported to XXXX, Equifax, or XXXX Credit Bureaus. According to this United States Code, my right to privacy has been and is continuously being violated, with reporting my late payments in my credit report, which have not only affected my ability to qualify for proper mortgage loans while serving in XXXX XXXX military status currently, but being able to properly qualifying for appropriate car loans, with a fair reporting credit score due to deficiencies reported like such. 

As for the XXXX XXXX XXXX account listed as a closed account on my Equifax Credit Report, XXXX Credit Report, and my Experian Credit Report, I am demanding that this account be removed from all credit bureaus including but not limited to Equifax, XXXX, and XXXX, as it violates my right to privacy posting late payments within this account, and also posts the account as a charge off. A charged off account, can not be considered a " late payment. ''
Consumer complaint received 2018-02-22
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: WELLS FARGO & COMPANY (TX)

In XX/XX/2017 I made a purchase under {$35.00} at my local XXXX. I use my XXXX XXXX XXXX card. I travel for work any only have my mobile phone. I did not return home until XXXX. First, I thought I paid the card in full. Second, my 840+ FICO took a dive. I immediately pulled a credit report and found a 30 day late score on my report. I contacted AE fraud department. They put a fraud notice then transfered me to their fraud division. The man I spoke to gave me information and I told him it was my charge. He then transfered me back to customer service and I paid the bill. I have 43 years of stellar credit with accounts going back to the mid 70 's. 
This particular account was over 10 years old with a large line of credit. All my credit cards are paid in full each month. Each person I spoke to were unwilling despite the issues of there phone system and the issue of using a cell to access their site. Note : because I am on the road I monthly check the balances of each of my credit sources. 
I appealed up their chain of command. Finally I spoke to a XXXX in Wells Fargo who sounded XXXX bias. She was extremely curt and rude. She said she would send out a letter and again I explained that I was on the road. My credit had dropped to the 760 range. 
Late XXXX I was home and read the letter. I took my information and made an appointment with the local Wells Fargo branch manager. She listened and appealed up her change of command. She also addressed the issue with XXXX XXXX. In XXXX XXXX XXXX called my for the final time. In XXXX my credit score dropped again this time down to 721. What had changed? I paid off my car 2 years early as well as one complete student loan. So I called XXXX and found out that in XXXX wells Fargo XXXX XXXX updatef my account reflect that I had an overlimit in my history. Once again I called XXXX XXXX and spoke to an onshore representative who then reviewed the entirety of my account. They noted that note only had I never got close to approaching that ever in the decade of having the account. Also from what they could see on the there was now no indication that the account had an over limit. I have multiple credit sources all excellent. Four decades of perfect credit, house and car loans most paid in full and use credit regularly with no issues save this one. Please help me get my good name back!
Consumer complaint received 2015-04-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Bayview loans keeps calling and harassing me about being behind on a payment. I 've called them numerous times to try and fix this problem but no one can help me in the so called customer service area. I have gone to my bank and receive copies of my proof of payment starting back from XXXX and ended it in XXXX, I have fax them numerous times showing them that I never miss a payment. Every time I ask them a question over the phone they say put it in writing and fax it to us. Not one person I 've talk to was able to answer a question. Its like its choreograph. I called one time and got a person here in XXXX XXXX, when I found that out and ask her if she had a branch in XXXX she just laugh and said no. She works out of her house and supposedly all my information is there on her computer. I 'm not liking this. These people are no better than XXXX and have no desire to help you what so ever.
Consumer complaint received 2016-02-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NC)

BAYVIEW IS ENGAGING IN DECEPTIVE LOAN SERVICING PRACTICES BY NOT PROVIDING UPDATED AND CORRECT FINANCIAL STATEMENTS, PROVIDING INCORRECT ACCOUNT INFORMATION IN ORDER TO CREATE A DEFAULT LOAN SCENARIO, NOT ABIDING BY THE TRUTH IN LENDING ACT, NOT PROCESSING/APPLYING MORTGAGE PAYMENTS IN ACCORD WITH THE SPECIFIED ACCOUNT SCHEDULE, NOT PROVIDING CORRECT PAYMENT INFORMATION WHEN REQUESTED, THEREBY CREATING A DEFAULT STATUS, NOT COMPLYING WITH THE FEDERAL REGULATED ACTS, THAT GOVERN LOANS AND PROCESS, AND THREATENING TO MAKE THE MORTGAGE LOAN IN DEFAULT STATUS, REVOKING A MODIFICATION AGREEMENT PREVIOUSLY AGREED TO BY XXXX XXXX XXXX, UNLESS PAYMENT IS MADE IMMEDIATELY ON XXXX/XXXX/16 ON THE TELEPHONE, WITH NO PROOF OR REQUESTED DOCUMENTATION PROVIDED PRIOR TO PAYMENTS BEING MADE. ADDITIONALLY THREATENING TO CANCEL THE MODIFICATION AGREEMENT XXXX HAS SIGNED WITH NO NOTIFICATION PERIOD OR GRACE PERIOD AS PER FEDERAL LAW, IF PAYMENT NOT MADE ON XXXX/XXXX/16 VIA THE PHONE BY XXXX XXXX, DESPITE XXXX XXXX DISAGREEMENT AND REQUEST FOR PROOF OR STATEMENTS TO BETTER CLARIFY THE SITUATION
Consumer complaint received 2022-08-16
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. (TX)

To : Consumer Financial Protection Bureau, Equifax is continuously incompliances of the Federal Law, and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (LA)

My complaint is with JP Morgan Chase Credit Card Services.

I called them today regarding an issue with my credit card. At the start of the discussion I was informed that the call would be recorded by Chase. I informed them that I would also be recording the call.

The individual I spoke with insisted that I stop recording as they DO NOT ALLOW THEIR CUSTOMERS TO RECORD CALLS, yet they insist that they must be allowed to record calls or they will disconnect the call.

Why are companies allowed to impose unfair and heavy-handed policies against me while they restrict my rights to do the same thing that they are doing? This is a criminal policy.
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC. (FL)

I couldnt get my account numbers on my credit reports, I need the account numbers for the inquiries because I need to get inquiries removed. I need my account numbers for all my inquiries in order for me to get them removed.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Hello Im filing this claim to have my credit report corrected. The company XXXX has reported false missed payments and Delinquencies to all the credit Bureaus. I have not missed any payments on this account. I paid this account balance down to XXXX in XXXX, and I have not with drawn since. The information being reported to the credit Bureaus is false and its effecting my credit score in a negative way. As of right now they are reporting a balance of XXXX and XXXX missed payment from XXXX through XXXX. I paid this account XXXX to XXXX in back XXXX and have not with-drawn since. I am not aware of any transactions that were made from XXXX through XXXX. This app is a scam. Please remove them from my credit report.
Consumer complaint received 2020-09-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

On XX/XX/2020 I purchased 2 puppies for {$1000.00} using Zelle through XXXX  XXXX XXXX. I thought it would be okay to submit payment through Zelle because of how they allow transactions with Small Businesses as there website states. I was told by XXXX  XXXX XXXX that I may not be able to get my money back because Zelle doesn't offer protection.
Consumer complaint received 2020-09-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (GA)

The company has a 90 day buyout that I start lease around XXXX of 2020 and the 90 days expired in the middle of covid 19 The purchase was XXXX and i paid a total of XXXX plus XXXX tax total of XXXX on XX/XX/2020 Because it wasnt paid off in the amount of XXXX within 90 days they are charging me double to have it paid off in one year But Georgia 's ocga XXXX states no loan shall charge any rate of Interest greater than 5 percent directly or indirectly Breaking down XXXX over one year is XXXX but they are saying I have to pay XXXX daily in there lease amount of XXXX
Consumer complaint received 2019-06-12
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: NORTHWEST BANCSHARES INC (MA)

I was harassed by some men from the XXXX XXXX region. They knew my family was on vacation and they said they were going to kill me and hurt my family first and they forced the paperwork to get the account to pay a lot of money to them somehow.
Consumer complaint received 2021-02-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (CT)

I voluntarily gave a XXXX XXXX back to the bank after much hassle in speaking with them to pick the vehicle up. It's been about 3 months since they took possession of the vehicle and still continue to report an open account, thus increasing the amount and continuously reporting incorrect information on my credit report instead of stating that the account is closed. This is deceptive practices.
Consumer complaint received 2021-02-15
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: Bread Financial Holdings, Inc. (CA)

There is an unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. COMENITYCAPITAL/XXXX, XX/XX/2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Consumer complaint received 2015-12-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

I previously had XXXX accounts that were charged off and I received a XXXX for these accounts. I disputed the account with XXXX and Equifax , XXXX updated my credit report as paid collection, however, Equifax only deleted the historical data on these accounts. I have disputed this information twice now. After the first dispute, I called Equifax and spoke to a representative who advised me that I initially used the wrong dispute information ( the selections on their dispute page ) and that XXXX verified the account belonged to me. He told me to change the dispute information, took my dispute over the phone and after that the result still came back as they deleted historical data but the balance still remains. I am trying to get this cleared up. I explained to them that the account was paid through the XXXX with the XXXX but they continue to report the account balances of what was owed. I have included copies of XXXX disputes.