davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

XXXX XXXX Sir or XXXX. I went into a local dealership in my area to purchase a new car on XX/XX/2023. I was told by the finance manager that I had been late sixteen times. I had just recently bought a car for my daughter with this same lender and had not been made aware of any of these findings. I immediately came home and called the lender .They informed me after speaking with several ( 10 ) of their associates that indeed the info of late payments were correct. I then proceeded to go to my account on line and printed out my payment history that validated everything that I was saying to be true. I called the lender back and proceeded to explain for the eleventh time that I had not been late. The lender refused to amend my credit report. I then called Equifax the same day and filed a complaint it was then investigated and Equifax 's response was that the creditor did not respond and there were several things I needed to do:1 ) Include a 100 word statement to be attached to report. 2 ) Contact the creditor 3 ) Provide additional supporting documentation ( already have ) and last but not least contact The Consumer Protection Bureau and The State Attorney General 's Office in my local state. In closing I reached back out to lender today XX/XX/2023 and was told once again to send another letter when they did not respond to the first letter. Equifax was slack in their efforts to rectify this situation by telling me on today XX/XX/XXXX XXXX that they would redispute the complaint once more and I asked the question why? I informed the rep that if they did not respond the first time the negative info should be removed.
Consumer complaint received 2022-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Early Warning Services, LLC (NV)

XX/XX/2022 I sent {$180.00} thru Zelle and I sent the wrong amount. ( Sent to a person named XXXX ) Is it possible that I can get my money back?
Consumer complaint received 2022-08-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Designed Receivable Solutions, Inc. (AL)

design recievable solu at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has been sending me collection notice in the amount of XXXX. The collection has been reported past due. I do not know this company. I have never done business with this company. This company does not have a contact with my signature.
Consumer complaint received 2019-02-12
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Protection Association, L.P. (MA)

I received a phone call on Friday XX/XX/XXXX around XXXX. A debit collection company supposedly representing XXXX XXXX Company. The person I spoke with explained I have an over due bill for the amount of XXXX $ I explained I never received a bill or a phone call. I said there is no way my electric bill could be so high. I asked for a copy of the bill. The person said oh that will take a few weeks to receive a bill. How so?? The person said well I can try to dispute the bill if you want me to. I called XXXX XXXX and explained everything, they said it's a scam. I also contacted the real XXXX XXXX Company and cancelled my account which I had since XXXX. I had an idea and called the fake collection company. It took to phone calls to convince them to send me an email of the bill. Of course they had an excuse after excuse saying well we really aren't supposed to send emails. Really since when?? Today I received a collection letter in the mail. There is hard evidence to prosecute these individuals that are responsible. I have the email with the bill, a hard copy of the bill, and voice mail. Hopefully this will be helpful. Thanks again. XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

This is regarding a XXXX XXXX credit card. On XX/XX/2023 I made a charge of {$21.00} on this credit card that I rarely used. I made this small charge to keep the account active as I know some companies will reduce the credit limit or close inactive accounts. 

My account was set online for paperless, and I expected to receive statements via email. I did not receive any statements or late notices, so I did not know to pay the {$21.00} balance. I finally was made aware of this balance when I received an alert from XXXX. At that time I paid the balance in full immediately. At this point I searched my email folders ( In-box, Junk, Spam and Trash ) for XXXX XXXX and XXXX and found no statements. I also confirmed that my email address was correct at my online account. Again I received no late notices via email or postal mail. 

As a result of XXXX late payment reporting to all 3 credit bureaus my credit score dropped significantly. Attached is a FICO graph from XXXX that shows a drop of XXXX points within 2 months due to this late payment of a small balance of {$21.00}. I took pride in my high credit score of 800 + and I always pay my bills on time when I know about them. 

There was a failure in XXXX system as they didnt send me statements or late notices. This is considered negligence. The damage they caused to my credit score will cost me thousands of dollars in higher interest rates for new credit accounts and mortgages. 

I wrote two letters to XXXX about this issue on XX/XX/2023 and XX/XX/2023 and their response was that their credit reporting was correct, however, they refused to respond to their negligence of not sending me statements or late notices.
Consumer complaint received 2019-02-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (FL)

Midwest Recovery has been contacting me since last year about a debt last year ( XX/XX/XXXX ) I had an financial advisor and informed them to contact them, their phone number was given. NO notice was received from Midwest and I was not informed by my financial advisor that they had responded to any communication. I began receiving the calls again this year XX/XX/XXXX and I have informed them on more than 2 accounts to verify the account because when I asked them questions about the debt the diverted the conversion and could not give me specific information, they only said that the debt originated in a medical facility in Florida. I told them to validate the account in writing gave them my updated address and I have never received a letter to validate the account. They continue to call without and end to the issue and still have yet to validate the account. As I am aware myself and my financial advisor has paid all my outstanding medical bills and the 3 I have now I am on a payment plan. I am unaware of this debt and can't help to resolve the debt because they have yet to validate the account.
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (FL)

To whom it may concern : I have two credit cards with Chase. In XX/XX/XXXX, I have recently learned about XXXX interest benefits on credits card going back to XX/XX/XXXX, as per SCRA. I submitted my AD orders and got both cards down to 4 %. My issues are, XXXX XXXX was open in XXXX and XXXX XXXX was open in XXXX. I served from XX/XX/XXXX to XX/XX/XXXX, got released, and join the XXXX the same day. On XX/XX/XXXX, I volunteered for AD orders and am still on orders today. ( XXXX from XXXX XXXX XXXX XXXX Since learning about XXXX in XX/XX/XXXX, I send them my most recent orders from XX/XX/XXXX. Chase has honored the interest benefits starting only from XX/XX/XXXX. Today, I sent them my XXXX showing my AD service from XXXX and was informed that those 11 years of service can not be honored because they were not notified 9 months after I was XXXX. My complaint is, XXXX is the only legitimate government document we have to prove for VA benefits XXXX state benefits, housing benefits, student loans benefits, and jobs... but it is not good enough for the banks, i.e. CHASE to honor our time served " because they were not notified within a timeframe. '' XXXX the timeline! XXXX does not have a timeline! It does not matter if I just found out today or found out after 20 years with a pension, I believe AD members should get the differences in interest rates refunded for ANY of the time while they were on orders. My XXXX should be sufficient regardless of the timeline and when notified. I believe this should be fixed. I believe the clause to notify the banks within 180 days or 9 months should be looked at. Unbelievable. 

Thank you.
Consumer complaint received 2018-05-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NJ)

I never entered into a contract with this company. I never received any information regarding my rights to dispute. They are reporting inaccurate and negative information to all three credit bureaus. They are violating my rights under the Fair Credit Reporting Act.
Consumer complaint received 2019-02-12
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: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

On XX/XX/XXXX, I went to get my hair highlighted at XXXX XXXX. I asked for blonde highlights   on my natural brown hair. Bottom line, they turned out orange. I was charged {$110.00}. Granted, I left without getting blown dry because I had to be at work. The hairdresser ran a half hour behind my appointment time, which I understand things happen, but it was a rushed job and highlights/ color on long hair can not be rushed. Anyway, the front of my hair looked blonde and pretty, however, the back of it was all orange. I had not noticed that until I got home after work that day. I called the Salon to reschedule another appointment to get it fixed. I went back on XX/XX/XXXXand was charged another {$60.00}. It still was orangey. I ended up going to a different salon ( XXXX XXXX XXXX  XXXX XXXX ) on XX/XX/XXXX and spending another {$130.00}. After not one, but TWO hair stylists  at XXXX took a very good look at my hair, they found pieces that were bleeding, unevenly distributed highlights, color tone that was off and as mentioned, a ton of orange pieces. I was told I had a good 8 hours of work needed to fix my hair!! HSBC is giving me a hard time disputing BOTH charges. They reversed the {$60.00}, but not the initial charge of {$110.00}. Obviously I was not happy with the results because I went to a different salon so why am I still being charged?? I have tried to attach a letter from HSBC refusing to credit the {$110.00}, and I also have a letter from XXXX   explaining why it should be credited and the amount of work needed to fix it, however I am having problems uploading it on here. I will definitely mail both documents in to be reviewed. 
Thank you.
Consumer complaint received 2019-02-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (FL)

How are you. I sent a complaint in for COMMON WEALTH FINANCIAL. a few weeks ago you all got it removed from my XXXX  report. I noticed, it is still showing on my XXXX report. if you can kindly get it removed, I would Appreciate it.
Consumer complaint received 2022-08-19
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)

I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.
Consumer complaint received 2023-08-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

On XX/XX/2023 I have reached out the XXXX, XXXX and Equifax about a bankruptcy reporting that do not supposed to be on there. With the bankruptcies showing it is causing me a hardship and will like monetary if its not removed immediately. Bankruptcy court stated they do not report to the credit bureaus which it needs to be removed, document is attached. Rule 9037 Privacy Protection for filing made with the court. 
I have previously disputed this item with you ( US Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit agencies for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting quirements do not comply with FCRA 611 ( 15 u.s.c. 1681 and the information must be deleted immediately.
Consumer complaint received 2019-02-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Northern Trust Company, The (MA)

On XX/XX/2018 XXXX XXXX XXXX of XXXX MI, my brother, attempted to make a money transfer from his XXXX XXXX ( XXXX, Il ) bank account to the checking account of XXXX XXXX XXXX of XXXX MA ( family friend ). XXXX 's bank is XXXX  XXXX XXXX ( XXXX MA branch ). The amount to be transferred was {$6600.00}. The funds were the last installment of a XXXX administered by XXXX for my use. The money never arrived. 

XXXX has pursued the matter with XXXX XXXX, who said they can not be held acccountable, and I have contacted XXXX 's bank who said that as the receiving institution there is nothing that can be done from their side. Each bank claims that an investigation needs to be made from the other bank. 

These funds are critically needed by myself and my wife ; both of us are XXXX and without other income apart from Social Security. I have all the relevant account and routing numbers if you need them later on. Many thanks, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Good Afternoon! 

I have attempted to contact Transunion to remove unauthorized inquiries to no avail. I have reached out via email, mail, and by telephone with no assistance at all. I advised them over the last year, there were a total of 32 inquiries on my report. XXXX  has shared the fraud details to Transunion yet they refuse to remove them. I need help. Please!!!!!!!!! This is ruining my credit. Also, the details associated with my bankruptcy is not correct. They did not check with the courts because the courts do not verify.
Consumer complaint received 2019-02-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC (MI)

I have a debt collection reporting on my credit for an account that I did not authorize. I have never utilize credit services and or lines with this particular company. The information appears to be frivolous and I wish to address this matter. This debt does not belong to me.
Consumer complaint received 2019-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

National Credit Systems , Inc in XXXX, GA submitted a collection account from a previous apartment I stayed in while I was filing for ch. XXXX was submitted to my credit a year later. I left XX/XX/XXXX, the collection appeared XXXX of XXXX. My ch XXXX was submitted XXXX of XXXX. I do not know why it did not include the current resident I resided in while filing but the collection account for the apartment was not included. Again, I was staying at this apartment while filing the bankruptcy. I was told by XXXX XXXX, " it was my fault the bankruptcy didn't include the apartment. '' I corrected her and stated it would not be my fault but the lawyers who submitted the information. Maybe he made a mistake or maybe he knows something XXXX XXXX and I don't. The apartment was given notice, I let them know of financial situations changing and that I would have to break the lease 2 months early. The notoriety of the apartment complex is it's own mess but XXXX XXXX, ext XXXX, who claims to be a supervisors, lacks the proper customer service skills and has a bad habit to constantly talk over you and undermine your intelligence how credit and filing collection accounts works. I tried to resolve the issue by requesting a settlement and was given a discount of {$400.00} on a {$2900.00} notice. I'm not stating the accuracy of the collection account is correct nor do I state it belong to me. I was trying to clear up my report since it's tax season and get this debt removed from the credit since its been on there since XX/XX/XXXX. You would think a collection company would prefer settlement and money for an account rather than not get paid at all. As well as the knowledge to know you catch more flies with honey than vinegar. That being said, when I asked her to see if we could come up with a better deal and submit it to her supervisors that's when her tone quickly switched over to the negative state she had. If National Credit Systems would like another chance at coming up with a better " PAID FOR DELETION SETTLEMENT '' I'm willing to handle the account with someone else. This account from my knowledge was suppose to be included in to my bankruptcy, I'm willing to pay on something I was not expecting to have to handle from XXXX but at a lower ethical rate I can afford.
Consumer complaint received 2023-08-10
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. (MO)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-08-10
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: EQUIFAX, INC. (FL)

I am formally requesting this letter to update the listed account in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXXXXXX.
Consumer complaint received 2019-02-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Transfinancial Companies, Inc (LA)

On XX/XX//2019 A LETTER was sent to me in response to a dispute of Validation of Debt. 
XXXX XXXX XXXX HOSPITAL Willingly sent my medical records to a 3rd party collection agency. 
IT AGAINST HIPPA LAWS to willingly share patient medical records in an attempt to collect a debt.

Furthermore, the medical records were sent WITHOUT A SIGNED HIPPA RELEASE FORM.

This is in violation of HIPPA as well as in violation of the FDCPA, in regards to the collection agency, XXXX XXXX, sending my medical records through the mail. 
I AM MORTIFIED! that something like this has even taken place. This is a breach in doctor/ patient confidentially. 
As well as a derogatory attempt to collect a debt.
Consumer complaint received 2019-02-11
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: Experian Information Solutions Inc. (CA)

Best despite my best efforts in submitting a copy of the FTC  complaint for ID theft having to do with multiple accounts I am on able to submit to the three credit reporting companies for some unexplained reason
Consumer complaint received 2019-02-11
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

Rushmore loan payments on my mortgage to XXXX XXXX Rushmore added their own insurance to my account. When it was sold to Rushmore by XXXX XXXX everything was to be the same well my payment went from XXXX to XXXX because this company tacked on a Hazard insurance of {$640.00} and I don't know who authorized it I did not. Looks like this is what kind of business they tend to run as the consumer we need to find a way to put the crooked business out of business account XXXX account XXXX XXXX XXXX I don't know why they also changed name when I have all proof of it with XXXX XXXX and The TIN # assigned by IRS
Consumer complaint received 2018-08-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (AZ)

I received a {$1000.00} loan ( XXXX ) from XXXX XXXX XXXX. I recently learned that these types of loans are illegal in Arizona where I live. I have paid back more than the original {$1000.00} and since the loan is illegal, I would like it to be closed as paid in full.
Consumer complaint received 2019-02-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (SC)

ON XX/XX/XXXX AND ON XX/XX/XXXX I WAS DENIED I APPLIED FOR A MODIFICATION TO SAVE MY HOME DUE UNSTABLE, UNCONTROLLED SITUATIONS IN THE PAST HOSPITALIZED WITH XXXX XXXX XXXX XXXX, LOSS MY BUSINESS, AND nOW THAT IM IN A MORE STABL E SITUATION FINANCIALLY AND CAN AFFORD TO MAKE PAYMENTS BUT CANT AFFORD THE REARS TO BE PAYED IN FULL FOR REINSTATEMENT. I HAVE BEEN DENIED ALL MODIFICATION PROGREMS. I CAN AFFORD TO MAKE REGULAR PAYMENTS, JUST CANT AFFORD TO BRING ACCOUNT CURRENT I NEED THE PAST DUE TO BE PUT IN THE REARS.