davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-05
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Results Unlimited, Inc. (VA)

This company is impersonating to be a lawyer however they are a collections agency attempting to collect a debt from 11 years ago. they have put XXXX leins on my bank account over the past 3 year. however they have never reached out to me to settle the debt. i called the courts to verify the case number and the court clerk said it doesn't exist. per statue of limitations this isn't legal and I feel this company is harassing me and submitting deceptive information.
Consumer complaint received 2022-05-05
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: Experian Information Solutions Inc. (HI)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached XXXX Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX  days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2022-05-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Midwestern Health Management INC (MO)

I saw that I had a court date on XXXX XXXX for some unpaid hospital bills, my husband and I just happened to look up my name because we got a letter in the mail saying Midwestern Health Management was suing me. I contacted them that day and paid off the full amount of {$3000.00} right then. I told them I saw the court date and asked if since I paid it off if it would be dropped since I have not been summoned yet. They told me they would tell there lawyer to drop the case. Well that was on XX/XX/XXXX at XXXX pm. I have tried multiple times since then to contact to them to get this sorted out since it is still showing a court date, they either do not answer and I leave a voicemail ( that they never call back ) or they say one minute then the call disconnects. This is getting extremely frustrating and I am not sure what I am supposed to do if I can not get ahold of anyone.
Consumer complaint received 2018-07-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (GA)

This account was sold to collection agency against Hipaa violation. Account was sold for {$6000.00} and got a call about trying to be sued. I have not signed or received any paperwork from company. Synchrony Bank and XXXX XXXX have went against the Hipaa law. Now I get a letter about wage garnishment but yet to receive proper paperwork. This is unethical of this company to sue without summoning myself with proper documentation.
Consumer complaint received 2017-09-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I submitted the loan Modification to Ocwen Loan Servicing, LLC. XX/XX/XXXX and conditions on XX/XX/XXXX. I do not receive Ocwen Loan Servicing, LLC. non-approved letter untilXX/XX/XXXX. Under California Homeowner Bill of Rights : SEC. 7.
Section 2923.6 of the Civil Code is amended to read : 2923.6.
( d ) If the borrowers application for a first lien loan modification is denied, the borrower shall have at least 30 days from the date of the written denial to appeal the denial and to provide evidence that the mortgage servicers determination was in error.
( e ) If the borrowers application for a first lien loan modification is denied, the mortgage servicer, mortgagee, trustee, beneficiary, or authorized agent shall not record a notice of default or, if a notice of default has already been recorded, record a notice of sale or conduct a trustees sale until the later of : ( 1 ) Thirty-one days after the borrower is notified in writing of the denial.
( 2 ) If the borrower appeals the denial pursuant to subdivision ( d ), the later of 15 days after the denial of the appeal But Ocwen Loan Servicing, LLC. ignored the law and continued foreclosure on my property, their attorney mail me the Notice of Trustee 's Sale date on XX/XX/XXXX.
Ocwen Loan Servicing, LLC. and their trustee XXXX XXXX XXXX XXXX XXXX XXXX XXXX continued to ignored the law and foreclosure my property.
Please see attach all documents for your to review.
Consumer complaint received 2023-08-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (RI)

As of XX/XX/2023, I had already notified Comenity Capital Bank of a mis-charge with the XXXX credit card account. I spoke with a representative of Comenity Capital named " XXXX ''. I told him that I notified XXXX that I didn't need the XXXX XXXX XXXX treatment because their company didn't honor the service when I purchased a bedroom bureau from them. According to the Service, XXXX was supposed to have a third company deliver my product to my home and place it safety inside where instructed. The delivery service contacted me and told me that they couldn't deliver the bureau to the 2nd floor bedroom in my house due to Covid restrictions and wanted to leave the bureau in my driveway. 

I told them that was impossible because I couldn't transport something that heavy up the stairs to the 2nd floor rear. No one in my house had/ever had Covid, and everyone in the house was XXXX. They refused and I told them to return the bureau. I contacted the Company for a refund and received a refund for the bureau but not the Service. 
I asked for a cancellation of the Service but the Company ( XXXX ) wouldn't remove it and kept charging me " late fees '' on a " XXXX '' service for non -payment. I contacted Comenity as stated above and " XXXX '' seemed to understand my problem and apologized repeatedly for the continuing late fees and non-cancellation of the Service. He stated that I would received further communication from the Bank as they researched the problem and that I would receive no more bills for late payment. ( This conversation should be in their database as recorded conversation ). 
I received a dispute letter from Comenity Capital XXXX XXXX XXXX XXXX XXXX referring to the previous contact with their representative and it stated to wait until they contacted me at the conclusion of their investigation. I have the original dispute letter which I am going to upload to my credit reporting companies. Since XXXX XXXX XXXX no further communication was received from Comenity Capital just bills from XXXX incorporating higher amounts in late fees for non-payment of the XXXX XXXX XXXX I never received. 
This situation with XXXX and their banking company, Comenity Capital is causing me severe damage in my credit score ( XXXX down to XXXX ) and prevented me from obtaining a XXXX XXXX XXXX XXXX XXXX XXXX due to the low score ( I will also upload the XXXX letter to the credit reporting companies in a dispute ). 
Please help. All I see is greed, greed, greed on their part destroying a formerly great customer.
Consumer complaint received 2022-05-05
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. (RI)

I submitted a dispute on XX/XX/2022 and still haven't received a reply. According to the XXXX they have XXXX days to reply to any dispute, if not that is grounds for removal.
Consumer complaint received 2017-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BBVA FINANCIAL CORPORATION (FL)

i live in florida. a texas ac company keeps adding charges to my credit card. the ac company 's listing goes to a book store ( ac charges being billed fraudulently to a bookstore should have beena red flag for compass ), not an ac company. charges for {$500.00} and {$200.00} were put on my account and i received nothing of value. 

i disputed the charges. then compass decided they were valid charges even though that would be impossible. 

the charges are being added to my account by compass and billed to me and added fees to my account, refusing to remove those fees as a result of the fraudulent charges.
Consumer complaint received 2017-09-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MA)

On Thursday, XX/XX/XXXX I went to https : //www.equifaxsecurity2017.com/ after hearing about the Equifax hack that happened a month ago. There are reports now that just by checking, I was not only auto-enrolled in their service despite the website indicating I would manually enroll at a later date, but I also waived my right to sue in court if I am affected by the hack. The class action waiver was hidden in the terms of use and not made clear. Additionally, the website did not provide me information regarding whether or not I was impacted by the hack. I was only given a date on which I should manually enroll. I believe that Equifax is n't taking the situation seriously, and is attempting to avoid a class action lawsuit by tricking consumers into agreeing to arbitration only under the guise of caring about our personal information.
Consumer complaint received 2017-09-08
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: FIRST HORIZON BANK (TX)

I was denied a checking account when I recently moved here to Texas because of incorrect information on my XXXX record. I was not aware of this information and it is also extremely old aside from being blatantly wrong.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-05
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. (AL)

COMPANIES VIOLATING RIGHTS AFFORDED TO ME VIA : 15 USC 1681 ( PRIVACY ) 15 USC 1681 604A ( WRITTEN CONSENT ) 15 USC 1666B ( PAYMENT HISTORY ) XXXX XXXX XXXX XXXX ( REPORTED NAME ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( GEORGIA )
Consumer complaint received 2023-09-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC. (CA)

In accordance with the Fair Credit Reporting act Halsted Financial Services 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. 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my wet signature. 6. Please provide a complete account history, including any charges added for collection activity. 7.

Cease and desist as this is identity theft. For 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.
Consumer complaint received 2022-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (CO)

In XXXX XXXX XXXX set up acct w me for mobile phone. I personally went to their office to open a XXXX acct. I paid them what they needed to have this acct go through. I could never use the number they gave to me because it was still connected to a business, XXXX XXXX in XXXX XXXX ( CO ). I kept getting business messages. I notified XXXX I could not use the number they assigned to me. They stopped this number within a few days of assigning it to me. XXXX billing said I owed no more money ; my acct was closed ( XXXX XXXX ). Then some debt collector called to say I owed money. I went back to XXXX billing office and was assired, again, that I did not owe any money- my acct had been closed. Today, XX/XX/XXXX XXXX, I open a letter fron another bill collector saying I owe {$100.00} for a XXXX XXXX acct. This is not my debt.
Consumer complaint received 2022-05-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc. (NY)

I was the victim of identity theft. The person or persons who stole my identify fraudulently opened an account in my name with XXXX XXXX. When I discovered the account, only finding out when XXXX XXXX tried to collect the debt, I worked with XXXX XXXX to have the debt removed from name because of identify theft and fraud. XXXX XXXX acknowledged the fraud after an investigation. However, this month, The CBE Group Inc., located in XXXX XXXX, IA, in XXXX or XXXX of this year, XXXX, placed the account on my credit report as being in debt collections. My credit score immediately dropped XXXX points. I contacted the CBE group and they stated that the debt was valid, while in fact it is not. They refused to contact XXXX XXXX and refused to remove the derogatory and false debt, which is based on fraud, from my credit reports.
Consumer complaint received 2023-09-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

I'm a 100 % XXXX XXXX XXXX  XXXX Veteran and cosigner on student. I thought I should fall under " The Biden-Harris Administrations Student Debt Relief Plan '', and they're saying it doesn't apply. I also thought I should be covered from the military service. We also tried it from my service as a XXXX XXXX ( XXXX XXXX ) approach. They find a way to evade all trials. This loan with American Education Services is from early 2007 and even though we've been paying more than minimum payments its doesn't seen like its dissolving.
Consumer complaint received 2017-09-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XXXX/XXXX/2017 I saw various news reports that there was a data breach at Equifax where social security numbers and account information were compromised. I followed up at the Equifax website that directed me to another company website that would inform me whether or not my personal data was one of those that had been compromised. The company website needed my last name and last six digits of my social security number. However, when I entered my last name and last 6 digits of my social security number, I was not told whether or not my data was breached. Instead I was only notified to come back on XXXX/XXXX/17 and enroll in their TrustedID service.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

The Fair Credit Reporting Act protects my privacy, stating agencies can't share my info without consent ( 15 USC 1681, 604 ( a ) ( 2 ) ), and prevents unfair late payment marks ( 15 USCS 1666b ).
Consumer complaint received 2022-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (TN)

Earlier today, we logged into our credit card to check the statement. At the time we discovered XXXX charges, each {$6.00} or less accompanied by {$10.00} fees for each of them. 

Upon further investigation, it turns out that earlier this month, Chase decided to add XXXX to the list of cash advance charges and charged us fees as such. 

This is not something that has ever happened before, there was no communication that was sent out to us as consumers, and if you investigate it even further online, apparently its happened to other consumers as well. 

I reached out to Chase and they refunded XXXX  of the {$10.00} fees and upon trying to push the issue refused to refund, the XXXX  additional {$10.00} fees totaling {$20.00}.

When asking them to provide wh
ere communication was sent out, they were not able to produce it. Do you want one having been a chase credit card holder for many years, to have a change like this occur with no communication is incredibly deceptive.
Consumer complaint received 2019-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Dovenmuehle Mortgage, Inc. (OH)

In XX/XX/XXXX XXXX changed mortgage servicing companies from XXXX to Dovenmuehle Mortgage. In this transfer/change my account number for my Mortgage also changed. Since XX/XX/XXXX, Dovenmuehle Mortgage the payment processing company for my XXXX XXXX, has not reported this XXXX loan to the three major credit reporting agencies of XXXX, XXXX, and XXXX. 

Information regarding my XXXX XXXX as it currently reports to the 3 major bureaus is Closed/Transferred Acct #  XXXX on XX/XX/XXXX. Technically, this is correct. This account NUMBER was closed/transferred. However, what does NOT show on the reports and what has not been and currently not being reported is XXXX XXXX account XXXX, which is the account the old number was transferred TO. 

I have been receiving statements from XXXX account XXXX with correct balances, payment history, and have made on time current payments since XX/XX/XXXX. However, none of this account, it's existence, it's balances, it's payments history, are being reported to XXXX, XXXX, or XXXX. 

I have filed credit disputes with these three bureaus, however they can not dispute an account that in their systems, does not exist. I have been " in complaint '' of this error to XXXX beginning XX/XX/XXXX when I discovered the errors. XXXX instructed me to direct my concern to " XXXX '' with my details. This department does not allow direct customer contact and forces me to have to speak with a general customer service rep at the XXXX number. These general service reps do not have the ability to speak to the department handling my case. They also insist that they are IN FACT reporting my loan to all three credit bureaus. They are not resolving my issue and there seems to be no one to work with there. 

XXXX 's new mortgage loan processor, Devenmuehle Mortgage, is IN FACT NOT reporting to XXXX, XXXX, or XXXX the loan activity and balances on XXXX XXXX   loan XXXX for myself.
Consumer complaint received 2022-05-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc. (TX)

The Caller 's ID is : Client Services. The automated calls to my home phone number come in XXXX times daily. 
The area code for Client Services is ( XXXX ). 
The following are the ( XXXX ) exchanges + a total of ( XXXX ) different phone numbers so far : ( 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 and ( XXXX ) XXXX / XXXX