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

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

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

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

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

Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of title 15, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, XXXX said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am a victim of identity theft someone has been using my personal information to open accounts. I recently in XXXX disputed this fraudulent information that is on my credit report namely an account with XXXX XXXX XXXX account # XXXX which was opened on XX/XX/2016 in the amount of {$31000.00}. I have written and provided them with my Police Report and my FTC report which is clearly informing them that these accounts are fraudulent.
Consumer complaint received 2023-01-31
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. (FL)

In XX/XX/2023 I filed a dispute through Experian related to an auto loan that shouldve been closed, but still showed negative balance. The loan was through XXXX, XXXX, XXXX XXXX. Experian had raised my score XXXX points as the dispute started. XXXX  amount of time had went by, and they had finally resolved my dispute as of XX/XX/XXXX. My score went back down XXXX points even though they had removed the negative balance. I am upset that the score had been dropped XXXX points again, I thought that getting rid of an auto loan would have increased my score and rightfully so should have. The report number through Experian is XXXX. And the only reason that XXXX was started was because my XXXX  and I had purchased a car that she was XXXX  with so we exchanged it for another car, which is why we have another auto loan. alls I wanted was the XXXX loan to be removed and that my score go back up. If any more information is needed, I will gladly provide it. I need my score to go back up as I to am wanting to finance a vehicle of my own in the near future and the change they made my score the way that they did will have a negative impact on me trying to finance a vehicle.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is XXXX XXXX who is submitting this CFPB complaint myself. These items are reporting late as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX  XXXX XXXX, XXXX XXXX XXXX )
Consumer complaint received 2018-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX XXXX XXXX XXXXXXXX XXXX 
XXXX, WA XXXX 1. XXXX XXXXXXXX Account No. XXXX 2. XXXX XXXX XXXX Account No. XXXXpartial 3. XXXX Account No. XXXX 4. XXXX XXXX Account No. XXXX 5. XXXX XXXX Account No. XXXX 6. XXXX XXXX Account No. XXXXpartial 7. XXXX XXXX Account No. XXXX 8. XXXX XXXX XXXX XXXX Account No. XXXX 9. XXXX XXXX Account No. XXXX 10. XXXX Account No. XXXX 11. XXXX Account No. XXXX 12. XXXX Account No. XXXX 13. XXXX Accoutn No. XXXXpartial 14. XXXX XXXX XXXX Account No.XXXXpartial To Whom It May Concern : I have requested the above creditors to be deleted from credit report being that these accounts are unverifiable accounts. I am at the point now where I am tired of reaching out to these creditors in efforts to resolve these unverifiable accounts. I feel that as a consumer my rights have been completely ignored due to the fact that I have not had any success in getting any of these accounts delete from my credit report since they have not been validated. I have not only requested for the debts to be validated but I have requested for the creditors to provide method of verification. However, I have been sent numerous of billing statement and yet have received any information with a signed contract with my signature between me and the creditors. As you are aware of that under the Debt collection Practices Act ( FDCPA ), I have the right to request validation of these debts that the companies are saying that I owe. I dont understand what is so hard about the creditors sending me proof that I am indeed the party that they are requesting to pay a debt, whereas they is some contractual obligation that is binding me to pay these debts. 
I have been refused employed due to these items reporting on my credit report. I dont feel that this is fair because this information is not accurate reporting on my credit report and should be completely deleted. Although I have made several attempts to try to resolved these accounts. I have been force under the impressions that if I dont make some type of arrangements on the accounts, I would be sued by the company and my bank account would be garnished. Therefore, in an attempt to resolve these accounts I have been force to make minimal monthly payments due to the fact that they are stating that these accounts are indeed mines. However, I am not agreeing that any of these accounts are mines because I have no knowledge of the above accounts. 
The company is reporting inaccurate information on my credit report that is very unfair, and violate my rights as an consumer.
Consumer complaint received 2022-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I call to pay my bill, hold time over 3 hours. 

Even when I select for them to call me back Im still put on hold for 1 hour I pay my bill and they send a notification its not paid, I then have to spend 4 hours calling back on hold. 

No matter what time of day, its always 2 hour or longer wait
Consumer complaint received 2018-03-28
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. (PA)

I disputed 2 accounts with transunion on XX/XX/2017 and they are still showing as under investigation and were never completed. 

XXXX funding {$1000.00} XXXX XXXX XXXX {$150.00}
Consumer complaint received 2018-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

XXXX XXXX is reporting on my credit that is not mine, im requesting a verification of this debt I so call owe, which I am entighteled to under the fair credit reporting act in writing within 5 days.
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Affirm Holdings, Inc (NJ)

I am trying to refinance my home. The lender pulled my credit report and advised that I had six Affirm Inc accounts that were not paid, then paid, and closed. I have never opened these accounts nor received any services from this company ever in my life. It is messing up my credit score, and I need it to be removed because I have never opened these accounts.
Consumer complaint received 2018-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Experian credit reporting. I have advised them of fraud using my social security number and the items on my credit report are fraud but they keep saying verified when that is incorrect. I have had over 15 fraud inquiries and bankruptcy that is not mine but they wont listen. My name is XXXX XXXX XXXX XXXX and all the items on my report is from my dad, XXXX XXXX XXXX
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

XXXXXXXX XXXX is furnishing and reporting information on my Experian consumer credit report stating that the account is a charge off. Federal law finds that the informed use of credit results from an awareness of the cost to the consumer. This account MUST be removed due to my uninformed decision when I entered this consumer credit transaction. The only evidence of indebtedness is the agreement but that agreement is NULL and VOID because I made an uninformed decision and did not understand the meaning for it was not clear and conspicuous. Promptly remove this account from my consumer credit report as you are required by Federal law to do so.
Consumer complaint received 2022-10-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (AZ)

I get daily collection calls from CBE Group. They call from different numbers, therefore I am unable to block them. 
I have been documenting the calls for a few days : XXXX. XX/XX/22. XXXXXXXX XXXX. 
XXXX. XX/XX/22. XXXX XXXX 
XXXX. XX/XX/XXXX XXXX XXXX
Consumer complaint received 2022-10-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Remex, Inc. (NJ)

My doctor sent a collection notice for an unpaid bill to Remex : https : //www.remexinc.com/. The collection is for {$250.00} which is correct. When I logged in to Remex site ( https : //www.clientaccessweb.com/Remex/payments/Main/Accounts/ ) to make a payment, I see a balance of {$1200.00} ). When I click on the details I see that they are showing two accounts -- one that belongs to me and one that belongs to a complete stranger : XXXX XXXX. I complained to Remex ( XXXX XXXX ) and they said that they are looking into it but would not provide any details on what went wrong. I am afraid that my data is similarly showing up somewhere else. I think this company has a serious security issue and is exposing client data. Please investigate ASAP.
Consumer complaint received 2021-03-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (PA)

XX/XX/XXXX I was approved for a mortgage. Since then I had to put in complaints about the service I was receiving. I called XXXX XXXX to ask her about a question about a property i seen that was residential / commercial she her referred to her supervisor who advised me at that time that if it was turned back to all residential I could proceed. I thought nothing of it any longer and started to look for other property 's. Well today I received a termination letter reasons stated : NFCU does not grant credit on the terms requested. XXXX XXXX then submits on the XXXX XXXX  What? There was no contract ever written no nothing. I am confused. MLS XXXX told me to today the notes underwriter wrote says no address, no contract, no nothing but still termination. This is retaliation cause i had emailed there ceo a couple of times when i was told not to. 
Please help me
Consumer complaint received 2020-07-22
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: JPMORGAN CHASE & CO. (GA)

Before COVID-19, my fianc and I booked our honeymoon vacation with the travel agency XXXX  for a package deal that included the resort and the flights together. Due to COVID-19, XXXX went out of business and cancelled our reservation, forcing us to dispute the charge with Chase. As the vacation was bought under one package deal but billed separately for the resort and the flights, we only received the refund from Chase for the resort portion leaving us with flights that we could no longer take. Upon disputing our flights twice with Chase, XXXX rebilled our account stating that the services had not yet been rendered. We were due to fly XX/XX/2020 - XX/XX/2020. Although the U.S. XXXX border is closed currently due to the pandemic, XXXX did not even have the courtesy to notify us that the flight was cancelled. We only received a text message from XXXX who is operating the flight notifying us that the flight was cancelled. 

I contacted XXXX several times in hopes of getting a refund for the cancelled flights, and was treated in an inhumane manner and told that I could only get a voucher at best which wasn't even initiated on their behalf. I asked them to refund me according to the guidelines provided by the U.S. Department of Transportation. Seeing that XXXX was not willing to work with me, I reached out to Chase yet again with hope that they would help their client resolve this issue with a merchant. This was unsuccessful as they told me that the flight is non-refundable and sided with the merchant TWICE saying that the services were available during the dates when clearly the border is closed and the flights were cancelled. I'm still dumbfounded at the fact that Chase is allowing XXXX to charge me for a flight that I physically could not take as international travel is still banned. THE SERVICES WERE NOT RENDERED BY XXXX. This is an unfair and deceptive practice. 

I was told by multiple Chase agents to reopen the dispute only to receive a response saying that XXXX provided sufficient evidence and didnt even give me a chance for a rebuttal. I sent in more than enough evidence with receipts of the transactions, screenshots of messages with the flight cancellations, and even quoted the DOT guidelines. I have been a loyal Chase client with a total of 4 open accounts. I am supposed to be a client of Chase, however I feel that theyre siding with XXXX and doing ANYTHING to help me out in this time. I am extremely frustrated and disappointed and feel helpless in this time against these big companies.
Consumer complaint received 2018-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The text message was received from XXXX number with text BofA : We have restrict your ability to use your BofA card. Follow the link below to reactivate it And the link to XXXX XXXX XXXX XXXX XXXX XXXX XXXX All the page links are inactive, except online id field and password and submit button. 
Where all personal information requested - like : Name Address SSN online id and password Dob Card number, security code and pin After that user is redirected to real Bank of America website
Consumer complaint received 2021-09-14
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CT)

In XX/XX/2021 my husband and I went to Lowes Home Improvement store to purchase decking supplies. The sales person at the Pro Shop desk sold us on opening up a business advantage credit card so we would get the 20 % off our purchase for new applicants and a 5 % discount each time we made a purchase at Lowes for having a business account.

We agreed to applying since it would afford us time to pay the amount and we would also get our order by the beginning of summer. Unfortunately the total for the supplies maxed the credit limit on both my card and my husbands. 

On XX/XX/XXXX my husband and I both received a letter from Synchrony Bank indicating our accounts were closed due to few commercial financial accounts and few open commercial credit card accounts. 

This is very unfortunate as we never indicated to the sales person we were contractors or professional commercial builders. This credit card was recommended by that sales person and never advised us there was a possibility it could be closed in the near future for these reasons. 

Upon calling Synchrony Bank Lowes and speaking to a supervisor we were advised there was nothing they could do and recommended we apply for the Lowes Advantage credit card. 

I informed the supervisor how is that fair when we applied in XXXX and why was it approved if the credit report showed no commercial accounts. We no feel we were approved just to get is to make the purchase snd now we are locked into paying this money and the interest if we fail to payoff before the promotional period. 

Not only do we have no credit card but we will be subjected to another inquiry on our credit report. When this was already done back in XXXX. My credit report shows they checked my consumer credit history so for them to say they only checked my commercial credit history is untrue.
Consumer complaint received 2020-07-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

A collection account reported negative on my credit. The agency is I Q DATA INT. This agency is not legal to collect in my State. I sent via certified mail a request to validate the debt. They won't respond. Each week they add more money to the debt.This agency is in violation of the FTC AND TX FINANCE CODE
Consumer complaint received 2022-10-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (FL)

I had an account with Wells Fargo for over 5 years. 
I opened several business accounts as well. 

however, The issue we're encountering is that in XXXXXXXX XXXX XXXX Wells Fargo sent me notice that some of the payments I received from our clients were being held. Subsequently, they were going to close the account and I was told to pursue the funds that were pending with the clients. 

There are a total of 20-Clientes pending at XXXX per check. 
The account was closed with over XXXX in the account and the rest was NOT sent to the clients nor did we get the payments either. 

Furthermore, we had XXXX in the personal account, XXXX in another business account, and XXXX in another business account. 

Wells Fargo closed the accounts, charged me fees, and then send me a check for XXXX from the savings account I had with them. 

When I tried to work it out with the bank, they indicated to me that I needed to speak to the branch. The branch at the time was closed due to COVID and the new manager at a different branch was not able to assist me other than sending my documentation to the fraud teams. Nothing has been done.
Consumer complaint received 2022-10-06
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AES/PHEAA (AR)

Letters with certified return receipts with sent on the following dates : XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/20XXXX XXXX
Consumer complaint received 2021-04-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (KS)

In XX/XX/2021, Navy Federal Credit Union and I agreed on a payment plan with a reduced interest rate and the closure of the credit card. At this time I also requested paper statements. Paper statements were never sent. I regularly checked my account online for updated payment amount and due date information. I made multiple payments in XXXX and XX/XX/2021, which were not applied correctly. One was for the amount for the amount of {$4000.00} and one on XX/XX/2021 for {$200.00}. The latter payment was paid AFTER the forgiven XXXX due date and should have been posted to the XXXX payment amount due.
Consumer complaint received 2018-03-28
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CNG FINANCIAL CORPORATION (OH)

States he is from XXXX XXXX XXXX. States my husband and I are going to be criminally charged for payday loans taken out in 2015. I told him to send me paperwork. They have called my mother in law three times now and both of our employers. I told them this is not allowed. Plus they are not allowed to call them more than once. He is threatening criminal charges which is also illegal. I told him to send me paperwork to verify his claims. He told me good luck. I know they can not threaten criminal charges on a payday loan. I also know payday loans are illegal in my state. I can not recall taking these out. I do not appreciate them breaking the law and trying to blackmail me to get me to pay. He said his personal phone number is XXXX