davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-05
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (IN)

I've been attempting to get CareCredit to correct their errors in charging me interest on promotional purchases I paid off prior to expiration date plus it looks to be that I'm given 12 months or 24 months for the promotional purchase and at 6 months suddenly CareCredit interest charges hit my account? 
They will not send me my past statements from the year ( s ) prior and when following their online process to request older statements, their system logs me out of my account each time. 
I've been able to find some older statements to prove the inaccurate charges but without ALL my statements showing payments/transactions I am unable to calculate exactly how much in inaccurate interest charges are on my balance.
Consumer complaint received 2021-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2020-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found a late payment in XX/XX/2019 for 30 days late. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2019-10-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Avant Credit Corporation (AZ)

I received a loan XX/XX/2019 in the amount of {$10000.00} and the amount financed is {$10000.00}. I realized what the interest rate is on the loan and decided to cancel the same day. I called the customer service number and was advised I needed to call before XXXX XXXX  Central time in order to cancel. I called XXXX MST. I have searched The website and no where does it mention you have to call before a certain time, the same day in order to cancel. Per your website If your loan has already been funded and you would like to return the funds, you can do so at any time with no prepayment penalties by scheduling a full payoff on your dashboard. Please be aware you will be responsible for interest that accrues on the outstanding principal balance as of the funding date listed on your loan agreement. Per my documents the funding date shows to be XXXX XXXX. I have spoken with different representatives and managers and no one has been able to assist with a resolution which I have been advised that I would have one by XX/XX/2019 which is todays date. I sent all of the funds that were received back as soon as they hit my account which was XX/XX/2019 but I still have the administration fee. Today is the first time that anyone has even provided an email to reach out.I am requesting that funds that are still showing owed, The amount of {$490.00} is waived due to being misinformed and lack of information about the cancellation. Please respond as soon as possible.
Consumer complaint received 2022-03-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: AmeriCollect (FL)

AMERICOLLECT INC has posted information on my consumer report stating there is a debt owed with their company. I have never had a contract or agreement with Americollect. they are reporting multiple accounts on my consumer report that they are not authorized to do so. 

Americollect, XXXX, XXXX and XXXX has violated my HIPAA rights. 
The federal law contains the following specific verbiage that applies to the situation at hand : " ( a ) Duty of furnishers of information to provide accurate information. 
( XXXX ) Prohibition. 
( A ) Reporting information with actual knowledge of errors. '' A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 

Additionally, HIPAA and Florida MedicaXXXX Privacy Statutes further protect my protected health information. The Privacy Rule prohibits you from using or disclosing my individual protected health information ( " PHI '' ) unless I specifically authorize the use, which I have not. 

HIPAA specifically states : Information '' that is transmitted or maintained in any medium. " Individually identifiable health information '' includes health information that is created or received by a health care provider, health plan, employer, or health care clearinghouse, and that relates to an individual 's physical or mental health or condition, including information related to an individual 's care or the PAYMENT for such care. Your company has supplied my confidential and protected account information without my consent as a consumer. 

Also according to 42 U.S. Code 1320d6 - Wrongful disclosure of individually identifiable health information. also U.S code ( a ) 1-4 The amounts reporting are {$1500.00}, {$290.00}, reported on XXXX and {$1500.00}, {$290.00}, {$91.00} and {$55.00} and {$56.00} Reported on XXXX and XXXX. 

These accounts are listed in error and I am requesting these items removed immediately. I have sent certified letters to all parties involved.
Consumer complaint received 2020-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2019-10-30
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WHEELS FINANCIAL GROUP, LLC. (NJ)

In XXXX I took out a secured title loan with XXXX. The interest rate that was set forth at over 100 %. The loan was taken out using title of car in XXXX under my son 's name : XXXX XXXX Email on loan file is my email and has my son 's phone info. The car was a total loss in XXXX and insurance paid off the loan in full. XXXX has been harassing me and my son on the balance and they kept adding fees on the amount due? Harassing leaving threats on my son 's phone and I have tons of emails of collectors using profanity in efforts t collects. This debt was paid in full through insurance. Furthermore the statute of limitations has expire on this debt. Listed below is an aggressive attempt to collect on the debt. Also attached is a recent attempt to revive the statute of limitations by rewriting the debt. XXXX XXXX has not issued the proper disclosure per the FDCPA to advise the revival per the statute. 

***Subject : Last Chance!!! XXXX Hello my name is Mr. XXXX my direct contact number XXXX, I will be taking the liberty finding a resolution with your file. Our intentions is to resume some communication. Long term goal is meet at a happy medium resolution to restore your good standing with Credit Bureaus. Your total balance {$4300.00} with a contingent Settlement {$1000.00} Good Still XXXX. Please make all effort to continue communicate with XXXX XXXX. Please take advantage of our assistance and finding suitable financial resolution. Feel free to contact me numbers listed below. 
XXXX XXXX XXXX XXXX XXXX|Recovery Case Manager| XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX | PH : XXXX ext:XXXX  | Direct : XXXX FAX : XXXX | email : XXXX XXXX
Consumer complaint received 2017-08-09
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Vermont Student Assistance Corporation (NH)

I was going to school for XXXX and had private loans to help me pay for it through the company VSAC. The reason I chose VSAC is because I did not have a co-signer and they still allowed me to take out loans without a co-signer. During my third year I was undergoing XXXX XXXX issues and had an approved leave of absence for one semester by my school and I had told my private loan company ( VSAC ) and they did not object or hint at any issues with continuing my loans when I would return. When I was ready to return the following semester my private loan company refused to lend me a loan. They now said that I needed a co-signer. The original issue being that I did not have a co-signer, which is why I went with VSAC in the first place because I did n't need a co-signer when I took out private loans to go to school. It was during the prime recession and down fall of all private loans. My federal loans did not cover the cost of my schooling and I was unable to afford returning to school. VSAC was still expecting me to pay ridiculously high monthly payments without any degree that would have enabled a job remotely equivalent to the payments they were requesting. I struggled out of school with looming debts working jobs that did not require a degree and thus had lower pay. All the meanwhile VSAC aggressively tracked me and called me wanting payments for loans that they backed out on. It was frustrating, exhausting and demoralizing. They did n't see me as a person struggling to make ends meat without a degree that they originally singed up to help me achieve. They backed out, not me and they still wanted payment. It 's unreasonable. My loans eventually defaulted because I could n't keep up with their payment demands. They sent my loans to a collection company and the process has started all over again. Recently I was lucky enough to be able go to an affordable community college and have gotten an XXXX degree with the help of federal loans. I think it 's irresponsible for a private loan company to back out of funding someones college and still expect payment. Each year from the time of XX/XX/XXXX- XX/XX/XXXX I was able to take out private loans that ranged in amount of $ 20,000- {$30000.00}, this is without a co-signer. I have 4 loans from them with different interest each that still compile interest on top of what is owed. As of today my 4 loans are listed below with interest tacked on because that 's how the company shows me on their website. 1. {$20000.00} 2. {$27000.00} 3. {$32000.00} 4. {$20000.00} Totaling = {$100000.00}. Each month alone {$410.00} goes to just covering interest. Please help. There is no way that this is fair consumerism. Sincerely overburdened, XXXX XXXX
Consumer complaint received 2022-04-05
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (FL)

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXXXXXX XXXX XXXX XXXX {$73.00} / XX/XX/2021
Consumer complaint received 2021-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Services Group, Inc. d/b/a ConServe (GA)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2022-01-07
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: Experian Information Solutions Inc. (PA)

I disputed an alleged bankruptcy with Experian. They verified it several times, and mentioned they were provided this information by XXXX. I pulled by XXXX report to find there was NO BANKRUPTCY listed. I demanded that Experian delete the bankruptcy from my credit report, and they claimed AGAIN even with EVIDENCE FROM MY XXXX XXXX REPORT that they have no bankruptcy listed. 

If they're verifying information with XXXX, and XXXX doesn't show a bankruptcy then it needs to be deleted.
Consumer complaint received 2019-10-30
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (PA)

Navient XXXX XXXX XXXX XXXX represented by Sr. Account Manager XXXX XXXX at XXXX XXXX called my home phone number today asking for my wife and asking her if she could provide contact information or get a message to a neighbor 's son. I assume his student loan was past due and they could not contact him. Instead, they found my wife 's name and phone number on the Internet and called her trying to get information on neighbor XXXX XXXX. We later received a call from one of our sons indicating that Navient had also left a message on his cell phone. We feel this is a blatant invasion of our personal privacy and would like it stop immediately. Any assistance you can provide would be greatly appreciated.
Consumer complaint received 2023-01-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NE)

I filed a complaint because chase bank was withholding my funds from me for no release other than what I believe to be Retaliation for file complaints about a different " government office or court office. I still have not recieved my funds. I attempted to pick up my funds in person on more than a dozen time and was given the run around despite being told that I could pick up the funds. They are holding my funds because they apparently don't have anyone to answer to.I want chase to give me the money which is my direct deposits from my employer, which they said they would not be excepting. They continued to except these deposits and rejected all of my auto payments that comes out of the account which has damaged my credit in a manger way, I was just denied an apartment rental due to my new credit score. They have also cause my loan to become due in full. I need someone to investigate these charges if you can't can you please tell me who can.
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

For nearly 8 years I've been battling with these two credit reporting companies to remove what is a black mark on my credit Cars in the beginning and not valid. I've written letters five complaints and we are past the {$70.00} Mark worth this junk should have been removed from my credit years ago credit reporting agencies have a huge responsibility to stay up to date what negative information reported it should be sanctioned when they drop the ball. Incorrect negative credit affects us all holding our children and families at risk
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Ive sent letters with identification such as social security and if. Informing equifax that I want a copy of my credit report. Still equifax has neglected to provide me with the copy. I even reached out to you guys confirmation # XXXX equifax lied stating that an unauthorized person was trying to access my account this is appalling and untrue and I will be escalating my complaint against this agency. Im once again requesting that equifax send a copy of my report per my authorization. Ive attached copies of identification as well
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-02-07
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. (AZ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : 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 XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-03-01
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: Resurgent Capital Services L.P. (DE)

My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$140.00} Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$99.00} Account Name : LVNV FUNDING LLC Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$660.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : XXXX
Consumer complaint received 2021-08-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have been trying to work out a forbearance agreement with my lender, XXXXXXXX XXXX servicing since XX/XX/XXXX due to Covid 19related job loss and financial hardships directly due to Covid 19. The lender has stalled during the whole process with requests for documentation, and denials for assistance for over a 15 month period. They have finally agreed to a loan modification with extremely higher rate and terms and have reported my loan late several times over from XXXX to XXXX. I have requested verification from dispute thru credit agencies and not resolved. I have contacted lender direct and they have updated credit report showing loan is even later than 180 days on 5 occasions! I would like to file a complaint formally with a state agency or get this resolved so i can get a new loan and refinance this lender out! 
Please help
Consumer complaint received 2019-10-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (LA)

In XXXX I changed my service from XXXX XXXX to XXXX XXXX because I could not afford the high bill and I was XXXX years old, collecting social security. I received a huge bill not accounting for the charges. I asked for proof of the charges and never received anything. Then, now in XXXX, 8 years later in XX/XX/XXXX, I received a letter from Convergent Outsourcing , Inc., trying to collect {$540.00}. After several attempts, being put on hold, disconnected, then referred to Texas, I spoke with XXXX XXXX, advised her this was 8 years ago and I never received proof of charges and was not paying and I would refer to my attorney. She was very rude. I am almost XXXX, XXXX XXXX and live on a low fixed income. Please help me if you can. I am sure the statute of limitations after 8 years has run.
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have attached 3 accounts that are reporting inaccurate information to my credit bureaus. As per the FCRA anything information reported in my name which comes from the same source should be accurate. Please delete the accounts that are reporting inaccurate to my credit bureaus. I have attached the accounts and highlighted the inaccuracies.