davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frost-Arnett Company (CA)

On XX/XX/XXXX, I received a letter stating that I had unpaid debt from a 3rd party debt collector from a medical bill. The amount owed was {$46.00} from XXXX XXXX XXXX which was passed to Frost-Arnett, the debt collection agency. However, I had not known about this bill because I was not told about this payment due. So I contacted the company, the same day I got the letter, asking for verification and what had happened. I was told that in XXXX I was billed that amount. However, I remember that day and my doctor never told me about any bills to pay or I was never billed that amount. There was no phone call, email, or actual mail saying that I needed to pay. I even have voicemails going back to XXXX with no one contacting me. I lived in the same place from almost 7 months, until XXXX when I moved back to California, so I should have received a letter by that time. 
Until XXXX, when this letter came in. So I was really confused, and in that same phone call, asked them to send me an email confirmation the information needed. I made a follow up call after some thought to understand what would happen to me if I did not pay the bill or how to dispute the claim, then they hung up on me without giving any clear answers. 
However it has been 6 days since that day, today is XX/XX/XXXX. I understand there was a holiday in between and they may only respond during business days. But even excluding those, they had 2 days to respond.
Consumer complaint received 2021-04-05
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. (MO)

I sent out letters to Equifax in regards to inaccurate account information and the accounts Metro 2 compliance fields. The investigation was only supposed to last 30 days since no additional information was provided. It's been over 60 days and the investigation is still going on. When I called, they started I would get results, and to date, I haven't received anything and it's still active.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Utah System of Higher Education (ID)

my school loans were paid and closed in XXXX because of my XXXX. The loans from XXXX XXXX XXXX, XXXX and UHEAA show the status of unknown - XXXX said i have to file a complaint with each servicer of these loans to have their status corrected.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (ID)

my school loans were paid and closed in XX/XX/XXXX/XX/XX/XXXX because of my XXXX. The loans from XXXX XXXX XXXX, Navient and XXXX show the status of unknown - XXXX said i have to file a complaint with each servicer of these loans to have their status corrected.
Consumer complaint received 2020-05-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

In mid-XXXX, my XXXX  was forced to shut its dining room due to Covid-19 and I had to lay off nearly all of the two dozen staff. Sales plummeted more than 90 % even while trying to do just take-out orders. My financial position was very uncertain as the business had been taking losses since the start of the year due to rising public fear. 

I then learned that Chase Bank was offering assistance to people and businesses that were impacted. In lateXXXX and earlyXXXX I called Chase at least 5 separate times about my home mortgage. Several of these calls I was on hold well over an hour just to speak with someone. After a lot of time and effort, I was told that my mortgage payments would be deferred up to 3 months with no penalties. 

By the middle of XXXX ( a little over 1 month since my last call to Chase ), my finances became clearer and I were ready to make full payments for the mortgage. When I reviewed the account, what I found was completely unexpected. Chase had reported my account to the credit bureau for non-payment. When I called about this, I was told again there was no record of any calls to Chase for assistance. 

On top of the extreme challenges I've had to deal with the past few months trying to save my business, Chase Bank has only compounded my problems. It would have been better had Chase simply not offered assistance and I would have sought more trustworthy alternatives for financing and help.
Consumer complaint received 2021-09-13
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

When I bought the house XXXX  there was a bathroom needed to be completed, 6 months later work was finished. I was told a inspector  would look at it to make sure. No one came. I called several times, finely thy said take pictures send them I did, said thy revived them, thy will send money. The amount with held from escrow was {$600.00} dollars. I have called 2 to 3 times every year, sense. I should be owed interest and some money for inconvenience. I could have used that money. Last time I called I think about 4 months ago, meany calls before that. My understanding was complete work you will get your money back, why did that not happen, I reminded them every yr for 11 years. Whats going on. Thank you
Consumer complaint received 2023-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On XX/XX/, I attempted to withdraw {$500.00} from the Fifth Third Bank ATM at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX around XXXXXXXX XXXX. Unfortunately, the machine asked me to " Please take your cash '' but there was no cash available. I filmed this incident occurring for about 20 seconds before stopping the video. The transaction was cancelled and I assumed the issue would sort itself out. 

A few days later, I checked my statement and noticed the {$500.00} had been deducted. I immediately filed a dispute with Fifth Third. After 30 days, the dispute was denied. I called Fifth Third to ask for more information and was told the audit of the machine didn't indicate any transaction errors, but they offered to review the video, which I sent to them, and make sure they reviewed the correct machine. To date, I've heard no response - not even an acknowledgement that my case has been reopened. Additionally, they have not offered the {$500.00} as a provisional credit while their re-investigation is ongoing. 

The dispute number is # XXXX
Consumer complaint received 2017-09-23
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. (MA)

I am extremely upset about the lack of protection i have been offered by equifax after the whole " hack '' fiasco. Now, not only i have to be constantly monitoring my credit but also pay from my own money for services to ensure my personal information is not being used without my consent.
Consumer complaint received 2020-12-08
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: CITIBANK, N.A. (CO)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, CITIBANK NA., BEST B add a hard inquiry on my credit report per XXXX  . No contact information has been reported by this creditor. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-12-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (OK)

It's XX/XX/2020. 

I have not received my XXXX Statement and My Payment is due on the XXXX. I did not receive my XXXX Statement until XXXX. I contacted SPS about previous late statements before XXXX. The Statements are still pushing the Payment Date real close. All I get for an answer is it's the Post Office. This is not my first complaint. In My previous complaint I addressed the late statements. They are still coming very late. 

God Bless, XXXX is wondering where the protection is.
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (CA)

I can not accept Barclays investigation. I DID NOT SAY THAT MERCHANT HAS PERFORM THE REPAIRS. I BELIEVE IT IS A FRAUD CHARGE AND THE MERCHANT DID NOT DO ANY REPAIRS TO MY CAR. 
Actually, Barclays Bank did not do any investigation to help me with my dispute for A FRAUD CHARGE to my credit card, but simply closed my dispute again and again. The MERCHANT DID NOT DO ANY WORK but fraud charged my credit card for {$3500.00}. My car still shows the same issue and I sent my car to another mechanic who checked up my car and could not recognize any new part. All parts in my car are very old per my new mechanic. 
XXXX KEPT MY CAR IN THE SHOP FOR A MONTH WAITING FOR PARTS. IF HE REALLY PURCHASED THE PARTS AND REPLACED FOR MY CAR HE SHOULD HAVE THE PRUCHASE RECORDS. HE NEEDS TO PROVIDE THE PROOF OF HIS PURCHASE RECORD FOR THE PARTS HE CHARGED. 
.
Consumer complaint received 2015-08-18
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (CA)

Contacted via txt message from XXXX, threatened with a warrant/civil procedure for a debt from a credit card. Called the number they provided, stated as their attorney, ( XXXX ) and was asked to make a XXXX payment of {$250.00} that day or face them submitting a warrant. Was asked to email a copy of my drivers lisence/state id to XXXX. Was suspicious about XXXX payment, was not offered other forms of payment when asked, and that it was a gmail account, and that they wanted a copy of my id. 

Called the collections agency i knew i had a debt with, and confirmed there was no civil procedure against me or a warrant pending, and made a payment of {$300.00} and set up a monthly payment plan with them ( XXXX ). 

I txted back the alledged attorney and said i paid the collections company, was not comfortable submitting a copy of my id or making a non-refundable XXXX payment, and told them to stop contacting me, gave them the # of ltd to confirm i made a payment/set up a payment plan. 

They responded as such- '' this is your warrant which i am going to send to the local police dept '' I replied that the local police only serve criminal warrants, not civil warrants and to stop contacting me or i would report them to the proper authorities. 

Which i decided needed to be done regardless of them replying back, they were threatening, only offering payment via non-refundable/traceable means, had a gmail account for a supposed attorney, etc, etc.
Consumer complaint received 2021-09-13
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: EQUIFAX, INC. (WI)

These inquires ae not mine, some of them are from different areas I never once applied to. They are fraudulent inquires made on my credit report from Equifax.. 
XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX WI XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX, IL XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, KS XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX
Consumer complaint received 2019-03-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC (FL)

I was covered under XXXX  XXXX back in XXXX for my pregnancy and all my visits and scans were covered. i had a high risk pregnancy for the entire 9 months. i lived in the hospital trying to save my baby. My daughter was born XX/XX/XXXX and the insurance was terminated effective XX/XX/XXXX. Now in XXXX i have these bills in my credit report for the delivery and in my husband credit report as well. This issue has affected us tremendously. I contacted all 3 credit bureaus and provided proof of insurance and eligibility and had the accounts DELETED and slowly they come back again. I contacted the reporting agency and are constantly reselling the accounts. This is FRAUD. I'm trying to buy a house and this is blocking my family blessings. You must delete this from my record. I work too hard and pay taxes and INSURANCE for this mess. I HAVE COPIES OF ALL MY CREDIT REPORT FROM XXXX AND THESE ACCOUNTS HAVE BEEN RESOLD OVER AND OVER.
Consumer complaint received 2017-01-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC (FL)

In XXXX, the company named Debt Recovery Solution sent a notice ( dated XXXX XXXX, XXXX ) attempting to collect a debt for a XXXX bill from XXXX. The notice did not elaborate any further. I immediately responded in writing and advised I did not owe such a debt. I requested that the company either cease collection efforts against me or provide proper proof that the debt belonged to me. 

I have received a response from Debt Recovery Solutions dated XXXX/XXXX/XXXX with what they claimed was proof the debt belonged to me. It is clear from the documents that the debtor is a different person with a similar name. I have responded a second time in writing to advise this is not my debt and the wrong person is being pursued. I again requested for Debt Recovery Solutions to cease collection efforts against me. 

Debt Recovery Solutions failed to do a proper and minimal investigation. The documentation this company has presented is for a person with a similar name that resides is a different state. Had the company properly verified my residential history, date of birth, or any other pertinent personal information ... it would have found that they erroneously associated me with this debt. 

As a result, I have been falsely accused. I have invested many hours of my time to respond and defend myself. I do not want this company to falsely associate me or my credit with this debt. I wish to file a complaint against Debt Recovery Solutions LLC for their improper and unecessary attempts to collect this debt from me.
Consumer complaint received 2020-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Dyck-O'Neal, Inc. (TX)

This is my formal communication in an effort to get this inaccurate and invalid account from my credit report. I have sent several dispute requests to XXXX  and XXXX  to investigate the Dyke O'Neal account, which is reporting inaccurately on my credit report because I have NEVER done any business with Dyke O'Neal & they are reporting this account as if they are the original creditor when they are NOT. 

I sent a communication to Dyke O ' Neal, requesting validation of this debt and they sent me a communication stating they were a 3rd Party Debt collector, collecting on behalf of Purchasing Power. However, if you take a look at my credit report ( see attached ) Dyke O'Neal is reporting on my credit report as an " original creditor '' who has charged off an account in my name and transferred it. 

I have attached a copy of how this account is reporting to my XXXX  and XXXX  report, and if XXXX  and XXXX  were conducting a proper investigation they could easily determine that this account shouldn't be reporting as an " original creditor '' to who I owe a debt to. 
Also, if you take a further look, Dyke O ' Neal is reporting a payment status of charged-off on XXXX, but as " Late 120 Days '' on XXXX. Additionally, XXXX  is double reporting this same account as a " charge off '' and as a " collection '', which is a clear violation of the FCRA. It's clear that Dyke O ' Neal is conducting deceitful and unfair practices in an attempt to coerce me into paying a debt, I HAVE NEVER OWED TO THEM and haven't validated that I have even opened up this account with them. 

I've exhausted my attempts to correct the inaccurate and invalid account with the credit bureaus and they have refused to do so. My next step is to contact my attorney general followed by a civil lawsuit against all 3 companies.
Consumer complaint received 2020-12-08
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

I was on time with this account every month and I had a automatic payment set up from my bank but there was a small charge of XXXX dollars and automatic payment did not cover it for the months they claim I was late even I paid the original payment amount on time
Consumer complaint received 2022-08-09
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: CITIBANK, N.A. (IL)

I have attempted several times to contact CITI BANK in regards to the lack of privacy with reporting my personal information. They did not have my consent to do so and this has caused a huge burden on me and my family.
Consumer complaint received 2016-09-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (DE)

DiTech Mortgage ( bought out Green Tree Mortgage a couple of years ago ) continues to charge me a late fee and sends me statements with past due amounts. These are all not accurate, especially since I am on the bi-monthly autopay program for my mortgage. Yes, twice a month they withdraw the amount to equal my mortgage each month. I have called to get this fixed in the spring and now they have started again. I called DiTech 's customer service number XXXX nights now, I remain on hold for up to 10 minutes and then the phone gets picked up and cut off. My credit XXXX and pride of the right thing, consumer rights is very important to me. Your assistance would be greatly appreciated. 
Thank you!
Consumer complaint received 2023-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (MI)

This pathetic company is allowing charges to be made to my card even when I have it frozen. They have also taken {$170.00} from my account with no explanation as to where it went. I want my XXXX money back in my account immediately and an explanation to the charges and the missing money IMMEDIATELY before I stop using this pathetic XXXX institution all together you XXXX imbeciles.
Consumer complaint received 2023-03-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion credit bureau has decreased my credit score by a total of XXXX points within the past 2 months on XX/XX/XXXX ( XXXX points ) and XX/XX/XXXX ( XXXX points ) which was unwarranted, without any credible reasoning and/or excessive drop in FICO score with the the intent to negatively impact my financial credibility and over all opportunities with the benefits of lower interest rates. These practices are unlawful, unethical and unfair practices of Transunion credit reporting agency.
Consumer complaint received 2017-09-18
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. (CA)

I recently informed by my mortgage XXXX that she was not able to pull my credit score and credit report from Equifax. I contacted Equifax on XXXX XXXX and the customer representative told me that they were not able to locate my credit profile and my name, and social security number. Further, the customer rep told me to fax my id and SSN over by fax to XXXX. A transmission report indicating that my fax was successfully sent over to the abovementioned fax. When I called Equifax after their XXXX hour processing timeframe, the customer rep told me that they did not receive my fax. I ask if there is a way for me to securely sent over my information, so that this time for sure their company have received information. Yet the customer rep told me that I have to fax to the abovementioned fax number or mail. XXXX is not listed as a fax on Equifax 's information center or webpage. I suspect that this could potentially leak my confidential information out. 

For whatever reason, when I ask to talk to the customer rep 's XXXX, the customer rep transferred me to their Consumer Affair department ( CA ). The CA, then, confirmed with me that they indeed received my ID and my ss card. But for whatever reason, Equifax does not have my credit profile in their system, and the CA will start an investigation on my file. CA asks that I call this number, XXXX, to get an update. 

Fast forward, after two weeks, I tried to call their CA department and their general line, none of them seems to be answering any of my calls. 

The problem of not having my credit profile from Equifax has caused me many problems. I was denied of a mortgage because Equifax was unable to furnish my credit report and credit score. I am not able to get a mortgage from any lenders because Equifax was unable to provide the lenders with my credit information. 

On the other hand, XXXX XXXX XXXX XXXX and XXXX do not have this problem, XXXX and XXXX reports my credit information, history, and other credit accounts accurately.
Consumer complaint received 2023-01-29
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. (HI)

In accordance with the fair Credit Reporting Act 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 States A Consumer Reporting Agency can not Furnish a account without my written instructions