davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-06
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. (AZ)

XXXX XXXX XX/XX/2022 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern, Intent to file lawsuit, HIPAA Privacy Violation I, XXXX XXXX, never gave EQUIFAX any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 

Validation Letter sent to : XXXX XXXX, XXXX XXXX, XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

In the event of noncompliance, I reserve the right to file charges and/or complaints with the XXXX  on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of XXXX medical privacy rules XXXX 

XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX, & EQUIFAX Did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. 


As a consumer, I am demanding a deletion of the following accounts as you do not have my consent to furnish anything on my consumer report pursuant to 15 USC 1681b, The following 8 transactions are also against my individual right to privacy : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX -- XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX -- XXXX XXXX XXXX Sincerely, XXXX XXXX
Consumer complaint received 2022-03-06
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: Experian Information Solutions Inc. (GA)

DEAR SIR/MADAAM, I am contacting you about the compromising of my social security number. I am a victim of fraudulent information. I am writing to request that you block the following unauthorized information come to take place. I pulled my credit report and there are accounts on my credit report that are not mine and are UNATHAURIZED. I am filing a police report in Georgia and I filed a complaint with the Federal Trade Commission which is attached. Please block and remove all information from my credit report, and send an updated copy of my credit report. The following items does not belong to me and is a result of fraud that I did not authorize. 

Account XXXX, Account XXXX XXXX- XXXX
Consumer complaint received 2018-08-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (FL)

I received a message on XX/XX/2018 from my Aunt ( who has a private phone number ) and she said someone who didn't identify themselves called her looking for me and when she said who is calling they said they were calling from " XXXX '' and left a phone number for me to call them back. The number being XXXX. I recognized this number as it had called me on Tuesday, XX/XX/XXXX at XXXX XXXX. They did not leave a message. I looked up this phone number and it belongs to a company called Convergent. It is not a company that is listed on my credit report nor do I know what this is about. I did collections for 17 years and I believe they have violated the FDCPA as it states a collection agency can not call a relative if they have your phone number which they clearly do. And they keep calling my number. Also when they called my Aunt they did not identify themselves.
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Plus Inc (FL)

I am in the process of refinancing my VA loan with XXXX XXXX XXXX   which was in the closing process when a credit reporting company ( Credit Plus , Inc reported an incorrect payment record on my XXXX XXXX XXXX   home mortgage loan. This caused a crash in my FICO credit rating and my refinance application to be rejected. XXXX XXXX XXXX my current mortgage lender ALSO through a process of malfeasance reports my correct payment record on their web site BUT reported two ( 2 ) monthly payments 30 days late. to XXXX XXXX XXXX  AND all three credit reporting agencies, My account is CURRENT and paid up to date BUT both XXXX  XXXX and Credit Plus Inc intentionally misreported my actual payment record, causing 1 ) my refinance loan to be rejected and 2 ) my FICO credit rating to be REDUCED from XXXX to XXXX. These illegal reports of late payments have caused me great harm.
Consumer complaint received 2018-08-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MA)

I contacted them several times asking for the transactions that were charged and to what stores. I have asked to see the original documents that I allegedly signed and they refused. MCM Midland can not give me them as they do not exist as I never did business with this company ever. I do not owe them any money as I never signed for a credit card with them and they need to remove this from all credit reporting agencies as they supplied fraudulent information to them saying I have an account with them when I do not.
Consumer complaint received 2022-06-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Winklevoss Exchange LLC (CA)

I am trying to withdraw my USD funds from Gemini but three days ago I received a notification stating XXXX XXXX on XXXX from XXXX XXXX, California, United States was detected. As a precaution, we have XXXX digital asset withdrawals from this device. My current withdraw is now pending and I have emailed Gemini support to hopes of receiving helps and to re-enable account, but have had no support or email back. They also have no support number to directly get in touch with someone making it very difficult to get support. Then one hour ago from XXXX XXXX pacific time XX/XX/22 I received a message stating Unfortunately, this account is currently frozen and unable to transfer funds or trade on Gemini. Once again I have emailed the company with zero support received so far. My withdraw of nearly XXXX USD is still pending and I have not received any help on opening the account back up. I received no email as to why the account was frozen and no help so far on opening it back up. The lack of customer service is extremely disheartening.
Consumer complaint received 2022-06-19
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (MA)

My complaint is regarding the Gap Credit Card through Synchrony Bank. My initial problem began in XXXX of 2022. After paying the credit card statement in full, I subsequently received a bill for the amount I paid, plus a late fee. The sent bank info to Synchrony, including check info from my bank showing the check had been processed. They opened a review of that complaint. In the meantime, I received additional statements with additional late fees. In XXXX, I sent the cut up credit card to synchrony bank with a letter requesting they close my account. It also filed a complaint with the Florida Attorney General XXXX. They have a file of my complaint on record. Shortly after that I received notice from Synchrony that they would look into it. In the meantime more bills with late fees, and recently a new credit card! Yesterday, I received a bill for XXXX stating that the past due amount was {$9.00} and late fee or {$20.00} and interest of {$2.00}. The total bill was {$32.00}. I have not made any purchase at Gap using the synchrony card since XXXX. Their ceaseless billing of late fees and refusal to close my account leave me no choice but to complain again the the Attorney General, The XXXX XXXX XXXX, and now to XX/XX/XXXXI have read online that this billing behavior is not unique to me. I can only infer that leaving this current attempt collecting on a debt that I did not initiate will lead to more late fees on into eternity. I a : at my wits end.
Consumer complaint received 2022-06-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (NC)

Just prior to the pandemic, Netcredit created a loan for me in the amount of {$4000.00} at XXXX percent interest which is illegal in the state of Florida for them to do so. The company has been sued for several issues, and they have damaged my credit report for years because I refuse to pay a percentage which is not legal for them to charge.
Consumer complaint received 2018-08-06
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: BMW Financial Services NA, LLC (NY)

I leased a XXXX XXXX for 36 months. I had no issues with the car until it came time to return the car. On XX/XX/2018 I returned the car to BMW. I knew I would have to pay for the key I lost and probably the disposition fee.I was waiting and waiting for the final bill, it never came. Sometime in XXXX I went online, and to my surprise there was an addition charge of {$600.00} for a windshield crack ( because BMW says the windshield has to be replaced not repaired ). I contacted the sales person who leased the car to me, he told me he would look into it for me, that was XX/XX/2018. I DIDN'T HEAR anything from BMW or the sales person after that. Sometime in the first week of XX/XX/2018, I received a call from XXXX XXXX XXXX XXXX, they stated I had an outstanding balance of over {$1000.00}. I was confused and annoyed because I never received any phone call or letter from the sales person or a BMW representative about the bill being final or reduced. Now I have XXXX XXXX calling me and telling me they will not except a small payment. I can only pay half of the bill at a time or the whole bill. I do not feel like I am being treated as a valued customer because the bill was sent to collection before 90 days, I wasn't contacted, and they won't even take a small payment.
Consumer complaint received 2022-06-19
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. (VA)

In accordance with the Fair Credit Act 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 an account without my written instructions.
Consumer complaint received 2022-06-19
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. (TX)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Chime Financial Inc (NE)

I tried to deposit a check that was drawn on nebraska treasury and they accepted the deposit. Two days later I recieved an email saying that they couldnt accept the check and it was verified through a manual verification process and I had emailed and called them several times and they said that they could not tell me why the check was declined. I wanted to have the check reissued so that they could take the deposit as I am home bound and am unable to leave my home to cash it some other way. Regardless they told me to write cashed across the check so I have to have it reissued anyway but cant get clarification on why they rejected the deposit
Consumer complaint received 2022-06-19
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. (TX)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2020-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2018-08-07
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. (MS)

I disputed a XXXX  XXXX XXXX  XXXX inquiry and they deleted my actual credit card account. I reached out to both parties about the issue on XX/XX/24. I have been paying on the card and it is not reporting and has not been for three months now.
Consumer complaint received 2020-07-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (OK)

The lady I talked to told me I had to wait for the transaction to be completed to dispute the charges that's all the money I have left till I get paid again it's an AMERICAN Express serve card from XXXX XXXX on XX/XX/2020 in the amount of {$29.00}
Consumer complaint received 2022-06-19
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. (VA)

In accordance with the Fair Credit Act 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 an account without my written instructions.
Consumer complaint received 2021-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (MA)

I opened a new checking account with Wells Fargo based on a promotional offer I read on a blog called XXXX XXXX. In essence for new customers such as myself, if we direct deposited a total of {$1000.00} within 90 days of opening the account we would be given a bonus of {$200.00}. The blog stated that the bonus would be credited within 30 days of completing the requirements. I have enclosed correspondence with the blog author. From my own experience, once the required deposits are made, most banks credit the account within days. The checking account was opened on XXXX XXXX, XXXX and the total of {$1000.00} in direct deposits was reached on XXXX XXXX, XXXX, so I assumed that I would receive the bonus today, XXXX XXXX, XXXX. I spoke to Wells via phone since there is no way to access customer service except by phone which leads to many problems since the customer service people can not answer questions accurately as is the case here. The first rep named XXXX confirmed that I had fulfilled the requirements of the offer. In fact, to date, I have direct deposited over {$1500.00} to my Wells checking account. She insisted I must wait more time and so I asked to speak to a supervisor whose name was XXXX and she told me that once the promotion ends namely XXXX XXXX, XXXX, I would have to wait XXXX more days or until XX/XX/XXXX to get the bonus. Since Wells frequently extends this and other promotions that made no sense.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (WA)

My account was hacked and robbed I opened my account in XXXXXXXX XXXX with XXXX and fraudulent heinous things started happening XXXX XXXX XXXX is my name XXXX  is my ( d.o.b ) also I never received my statement when I even put in a change of address from XXXXXXXX California to XXXX Washington and finally I called and made an appointment and they told me they closed my account and I was at fault u even reported fraud but they still never gave me my money please helpe I'm homeless I'm on danger I need to be ok and I'd appreciate you would see me through Thank you and God bless
Consumer complaint received 2022-06-19
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. (VA)

In accordance with the Fair Credit Act XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2022-03-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

I was called around XXXX am to say that the gas and electric was going to be shut off. They had me go to bank account and to XXXX, to send the money. I called the bank about an hour later to tell them I was scammed out of almost XXXX! I did not know XXXX was a third party as it is on my banks website. The bank called me 8 days later to say they are not getting my money. I have to call XXXX. XXXX tells me they dont get the money back but will notify the bank used. They would not give me the bank name. This is absurd. I was scammed, called the babk within hours and nothing is done. This is why scammers keep scamming. They are not prosecuted.
Consumer complaint received 2022-03-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Select Portfolio Servicing has been the server receiving my mortgage payments for almost 2 years. And out of the 2 year time frame, my mortgage statements have arrived late, numerous times. Usually around the XXXX or XXXX of the month. When I call to inform them, they would say, pay $ XXXX {$25.00} each time to pay online or by phone. Or give them my bank Info. I would refuse, and explain, that if they mailed the mortgage statements early enough, there would not be an issue. After each complaint, in retaliation, SPS would send my mortgage statements later each month, or report falsified information to the credit bureau, causing my credit to drop. In three days my credit score dropped XXXX points. I love a paper trail. It has been one issue or another with this company. Select Portfolio Servicing is engaging in unfair, deceptive, illegal practices. I mailed my XXXX payment XX/XX/2022, the same day I received it and they still have not been posted the payment. In the 2 year time frame I have paid on time, but SPS sent me a late notice but waived the fee. I have never payed late. SPS is deliberately not posting my payments on time. Moreover, I checked my 3 credit report, and SPS reported that I have an account, with the number # XXXX, which is a XXXX XXXX XXXX XXXX loan. This is not my account number, this information is fraudulent and the information has been falsified. My account number is # XXXX and I don't have, or ever had a XXXX XXXX XXXX XXXX. I have a FHA loan. FHA XXXX XXXX : XXXX. The address on this fraudulent account is in XXXX, FL. However, I send my mortgage payments to XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX. The credit report states, it was updated on XX/XX/2022. Who updated it?
Consumer complaint received 2018-08-07
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: CL Holdings LLC (CA)

XXXX XXXX XXXX is reporting on my credit reports that I owe them {$210.00} for an old bill from XXXX. The issue is that they refuse to verify that this account is mine / valid ALSO multiple collection agencies purchased this account and have put it on the credit reports of multiple people ( roommates ) who lived in the household ( four ). AND I've had another cell phone account for the last 15 years never had XXXX so?? Isn't it against the law for a collection agency to try to collect the same amount of money from multiple people and not provide any valid information showing the person who the account originally belongs to. 

I personally disputed this information with the credit agencies because I needed to see exactly who it belonged to since it's being reported on different household member 's report. They reported it as valid so I sent a letter asking how they validated it to provide information so that I can see who the account belonged to and so far they continue to refuse. 

This has been on my report for 3 years and has ruined my credit making the apr go up for any loans i've tried to apply for and in some cases keeping me from getting loans. 

I don't understand how a company will not show proof what the collection is and whom it belongs can continue to report this as valid. 

I'm currently considering my next moves but have reported it to multiple agencies and will send an email to the FTC and my local govt agency to report their unfair collection practices