davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX as a US Department of HHS covered entity improperly shared information with a third party about my medical/dental debt and services to ( XXXX XXXX XXXX XXXX XXXX XXXX regarding XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX XXXX HIPPA notice to customers is attached. 

FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The account can not and has not been validated nor the original contract provided legally without violating HIPAA. My previous disputes with the CRAs ( XXXX, XXXX, and Experian ) have been ignored to date. 

Please provide a FULL CONSUMER FILE DISCLOSURE. 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts supporting reporting the continued unlawful reporting of private consumer information.

The account has not been validated after request and no HIPAA release has been provided to me for any of the medical debt and reporting of dental services. The HIPAA privacy rule requires a " business associate '' ( collection agency or billing firm ) to reasonably limit the amount of information disclosed for such purposes to the minimum necessary as well as to abide by reasonable requests for confidential communications. HIPAA Regulations, the Privacy Rule requires an Associate to enter into a partner contract containing specific requirements with an Associate prior to the disclosure of PHI, as set forth in, but not limited to, Title 45, 164.502 ( e ) and 164.504 ( e ) of the Code of Federal Regulations ( CFR ).

Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of title 15, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal.
Consumer complaint received 2022-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TX)

AFNI added a collection to my credit report that does not belong to me. This is causing me great harm, as it has lowered my credit score. I am a XXXX XXXX ( XXXX ) and I take my credit very seriously. I have never missed a payment on any of my obligations. 

I closed my account with XXXX in XXXX. AT that time the representative stated I owed {$210.00} which I paid and have proof of payment if needed. I see the " opened '' date being reported as XX/XX/XXXX - this seems to me as inaccurate reporting.
Consumer complaint received 2019-07-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

XX/XX/XXXX PayPal sent me a notification that my business PayPal account had been frozen and assets seized for 180 days due to a violation of their acceptable use policy and would send me instructions at the end of this time to retrieve the funds " if applicable. '' This decision " can not be overturned '' the robot tells me when I call attempting to gather informationPayPal will not connect me to a human for customer support any longer. 

PayPal would not specify what the violation was, yet I imagine it is because our company is a legal, tax-paying, registered LLC, California-based XXXX XXXX   company. I am assuming PayPal believes that hemp oil violates their Controlled Substances clause, yet the XXXX Farm Bill did away with that, and prior, we carried ( and still do ) full documentation from the legal hemp oil distributor in CA proving we were not breaking any lawsstate or federaland that our products contain zero controlled substances. 

We have never had a charge-back, nor a dispute, nor is this account high-volume where identities of buyers are hidden to mask illegal activity. We have the records to prove this. 

PayPal is not secured by the FDIC, so we see zero legal reasons for this seizure, and even so, we have seen our fair share of banking issues, but never an asset seizure with no contact information and zero recourse and no access to a human to answer our questions. This is corporate sanctioned thefteven if temporary.
Consumer complaint received 2016-03-03
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

My mother deposited a bad check into my account with Bank of America, we have XXXX different signatures. I had a business account & a personal account, I paid of the remaining balance to BOA, but they closed my account and claims I still owe them money. I paid them {$220.00}
Consumer complaint received 2019-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

I called into chase today to make a dispute on a transaction i called getaround and they said they had no charge for me for XXXX so i should dispute it with my bank. Originally i was very frustrated to have explained the whole situation to a customer agent who could not file the dispute. When i was transferred to the dispute department the agent was very NASTY. I told him i was in a lunch room and didn't want yo say my card number out loud so i gave him my social he repeatedly askes me the sane thing and then told me i should move to get better reception. The rude agent utterly refused to let me speak to his supervisor or give his agent id. I informed him i was recording the call and would be sending it to chase corporate office. The agent hurled insults at me back and forth and laughed thinking it was a joke and telling me pretty much he didnt want to be on the phone with me very nasty rude foreigner on the phone then refusing to let me speak to his supervisor while speaking to me so nasty. Freaking unacceptable. Never have i been so floored while on a call and then have to be insulted and refused to dispute a transaction or speak to a supervisor ridiculous
Consumer complaint received 2019-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

Experian does not let me get a credit freeze online. 
I was able to get a credit freeze easily online with XXXX and XXXX, but not with Experian. 
They have been harassing me with emails and tried to get me to subscribe with a monthly fee although I can legally have a credit freeze for FREE.
Consumer complaint received 2018-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CHS, Inc. (VA)

XXXX XXXX XXXX reported four accounts under collections on my credit report and said they would remove them but to date has not removed them. XXXX XXXX XXXX is quick to report but taking their time to fix their mistake and in the meantime they are hurting my credit for their mistakes.
Consumer complaint received 2023-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NV XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX I have no knowledge of each of these accounts and have lived in XXXX for the last 13 years. All these accounts are fraudulent and I have never had a credit card in the U.S. since I moved to XXXX when I was XXXX. I have contacted these companies and was told I would receive a fraud package in the mail which I never received. I have also disputed these accounts with Transunion.
Consumer complaint received 2018-06-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

This complaint is being filed against XXXX XXXX Bank that issues the XXXX  XXXX   Retail XXXX XXXX of 2017 I made a purchase on my account for {$120.00}, there was a payment due on the account which was missed so a late fee of {$25.00} was applied, so I paid my balance that was due on the account and the bank has continued to charge me late fees when I have no outstanding balance and no transactions.I have tried to speak with XXXX of their supervisors about this matter but they are unwilling to remove these and continue to charge late fees upon late fees I can only assume to generate more money for the bank with no transactions that have been charged.
Consumer complaint received 2018-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Westlake Services, LLC (TN)

I have a problem with XXXX XXXX XXXX, the loan belonged to my ex wife and not me, well, they had placed it on my credit report and it has been there now for many years. although it is not mine, and as of XXXX of 2016 it was suppose to be removed, and XXXX is refusing to remove it from my credit report!!!, as far as I know that XXXX went bankrupted, this is not my loan through them, can you all help me out?
Consumer complaint received 2019-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Experian continues to list a derogatory report on a vehicle that was sold in XX/XX/2016 and has not been my responsibility for three years. I have addressed the issue with the company that performed the predatory loan `` XXXX XXXX XXXX '' and am considering joining one of several class action suits against this company. 
The XXXX that they claim that I owe is fraudulent and I want Experian to delete this account from my record. 
To date ; I have lost Five Job offers due to this and will sue in Small Claims if I can not afford to do anything else with it. 
In my last dispute, I included the proof that I have no responsibility for this vehicle which has been sold four additional times after I sold it as per the department of Motor Vehicles, to no avail.
Consumer complaint received 2017-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I contacted TransUnion and in regards to removing inquiries off of my credit report being that i was a victim and there inquiry issues. For XXXX ( XXXX ) inquiries on my credit report. As followed XX/XX/XXXX 1 ) XXXX XXXX XXXX, 2 ) XXXX and 3 ) XXXX XXXX XXXX. XX/XX/XXXX 4 ) XXXX XXXX XXXX and 5 ) XXXX XXXX XXXX XXXX. XX/XX/XXXX 6 ) XXXX. XX/XX/XXXX 7 ) XXXX/ XXXX. XX/XX/XXXX 8 ) XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX 9 ) XXXX
Consumer complaint received 2018-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

Good morning, we're writing to you, with the hopes that you will assist us in our discussions with Webster Bank. 

We purchased the building that my father lives in in XX/XX/XXXX. This building also has restaurant in it and it has only been brought to our attention, after we spoke with Webster Bank last week, that our loan was written as a BUSINESS loan and not a mortgage. 

The instrument of security that was used for this loan is, in fact, my sister 's home. We are behind on our payments and Webster bank has informed us that they intend to pursue the publication and sale process, on our property - the sale date is scheduled for XX/XX/XXXX. 


To make matters worse, in XX/XX/XXXX we had the loan modified and were instructed by the attorney representing Webster Bank that are payments would be {$3300.00}. We made 4 payments at that amount and were contacted by XXXX XXXX and informed that that was not, in fact, our payment. She demanded that the difference be paid in one lump sum and that has brought us to this point. 

There are a number of legal issues, surrounding this loan, as you can see and we would appreciate your assistance in getting this matter resolved and getting back to good faith payment - with an actual mortgage on the property and not a business loan. 

Thank you for your assistance with this
Consumer complaint received 2019-07-23
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: CAPITAL ONE FINANCIAL CORPORATION (MT)

I recently viewed my credit report 's and became aware of a " Capital One Auto Finance '' hard hit inquiry dated XX/XX/2019 that I don't recall authorizing.
Consumer complaint received 2018-05-19
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

On several occasions, Wakefield and Associates has called multiple times, even on the weekend and tried to collect on two different debts that are 9-10 years old ... well beyond the state of Tennessee statute of limitations. They are most likely trying to get the debt brought back from the dead so they can collect. I have tried to stall them off by telling them that I need to verify that this is even my debt because nothing else has worked to get them to stop calling me repeatedly all week long.
Consumer complaint received 2022-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (DE)

My complaint involves actions by and between XXXX and PNCBank, where I have two checking accounts and a savings account. I have never given XXXX my banking credentials nor authorized them to deposit or withdraw funds from any of my accounts. XXXX provided a credit to my account at PNCBank and later reversed the credit. I saw the transaction of the {$60.00}. credit listed in the transactions column online near the time I called into XXXX to complain of having overpaid them, around XX/XX/2021. I was promised a credit via phone and did witness the {$60.00}. having been credited to the account soon after phone conversation. Later, I noticed the credit was no longer there, but that my bill pay to XXXX had been reversed of {$69.00}. PNCBank denies that a credit of {$60.00} was ever made by XXXX. I believe that PNCBank and XXXX have an arrangement where XXXX has been granted permission to violate my privacy. This is the second time I have had this issue come to my attention. Previously, XXXX went into my bill pay account and changed the dates of my payments to coordinate with their preferences. I called PNCBank and complained and removed XXXX e-bill status. Again, I have never given XXXX my checking account credentials, I have exclusively used bill pay with autopay to send an electronic check to them. I believe PNCBank is very remiss in accommodating the wishes of the vendor over the customer, compromising the privacy and integrity of a customer 's account giving unauthorized access to my account to XXXX. PNCBank XXXX XXXX today has fully cooperated with PNCBank policy to erase its transactional history and lie to me the customer of the existence of the {$60.00}. credit.
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have filed several complaints. However, the only thing taken away from such is that XXXX says it's paid in full but still a charge off according to transunion investigation. However, my car was not repossessed. Nor did I sign their " collection paper ''. you can clearly see that is not my handwriting or signature in correlation to the lease. secondly, I was never afforded the opportunity to get my vehicle back ever which I tried too. I will reiterate I had a remaining balance of XXXX the car sold for over 21k. I still owe nothing to the company. Also, The leasing company was aware of the issues with the dealer and did nothing to help me or fix the issue. I will continue to complain until this is properly taken care of.
Consumer complaint received 2019-07-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A. (IL)

Well on XX/XX/XXXX i received an certified check through the msil for XXXX i took it directly to my bank PNC on XXXX and XXXX in XXXX  i told the Teller i wan na know if it is real she stated once we process it if it is no good it want go thru the next day it was cleared i went shopping then 5 days later i get and e-mail that the check bounced now they telling me my account is negative XXXX plus recruing fee that's not fair because a bank suppose to verify these things throughly if it went through the bank processing system
Consumer complaint received 2019-07-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NJ)

XX/XX/2019 checked personal email and noticed a Navient email from XX/XX/2019 regarding an application for income driven repayment plan. I did not apply. I called and spoke with XXXX at XXXX EST. She stated there were documents that did not pertain to me, my loans, or my account with Navient. I asked that the call be transferred to a supervisor and spoke with XXXX at XXXX EST. He informed me that the call was transferred to him with the incorrect account information ( my not reason for the call ). He got back on the line and explained that the documents of another customer were incorrectly scanned into my account. He stated he would put in a support request to have the invalid documents removed from my account. Is there anything else I can help you with?. I explained that, that was not an explanation and did not make me feel less concerned as my own documentation is in my account and Im not sure whats happening to it at this time. I requested to speak with another supervisor. The call was unable to transfer so I received a call from XXXX at XXXX EST. I informed her what was going on and she stopped me mid sentence to verify my identity. This is the FIRST time Ive verified myself during this process ( which I did let her know ). She said this is a serious issue that records and documentation are NOT being verified when being uploaded to customer accounts- when being received by fax. Online uploads have a time stamp. I asked if this wouldve been caught had I not called being concerned, the answer was no since it was already an accepted application posted to my account. It wouldnt have been able to process the app, but there was no way to follow through in the duration. I did tell her there are serious repercussions of this, had I not informed them of their mistake. This girl was requesting INCOME DRIVEN PAYMENTS!!!! Im not sure what her situation is, but had it not been processed and accepted, this could have defaulted her accounts ; in turn, affecting her credit report. XXXX apologizes and thanked me for my effort, and was grateful to me for the other customer. She also said shed make a follow up call to maintain communication regarding the documentation being removed. I did ask that she upload the documents to the correct customer account. What I am upset about is XXXX, whos meant to be a supervisor, wanted nothing to do with this call. Did not want me to voice my concerns. Did not care how I felt regarding VERY sensitive and personal information pertaining to mine and an entirely separate persons account. I expressed my disappointment in XXXX to XXXX ; again, sensitive and personal account information. Reiterating that my identity was NOT verified, I am extremely concerned with how documentation and application processes are being managed.
Consumer complaint received 2019-07-23
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. (MD)

XXXX XXXX XXXX XXXX stated I opened an account with them on XX/XX/2017. i never opened an account with XXXX XXXX XXXX XXXX on XX/XX/2017. I have asked this company to provide signed application, copy of drivers license and they have refused to do so. This is identity theft and I want this fraudulent account removed from my credit file. I have also asked Equifax to remove this account and investigate this account and they refused to do so. Im not sure why Equifax is allowing a company to report a fraudulent account to my consumer credit file. Please send me copies of where I signed credit card receipts since XXXX XXXX XXXX XXXX is saying I owe { {$1700.00} }. The Fair Credit Reporting Act, 15 U.S.C. 1681 is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. Equifax is not following The Fair Credit Reporting Act and Iwant something done about this!!