davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-28
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY (NJ)

I went to American Express website to extend credit to myself through their services and they have discriminated against me under the Equal Credit Opportunity Act. They are denying me my right to credit per the Truth In Lending Act 15 USC 1602 ( l ).
Consumer complaint received 2021-05-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Barton Law Group, LLC (MO)

XXXX XXXX Firm and XXXX claim that they attempted to notify me and my ex-husband of the debt. However, when we/I received notice on XX/XX/XXXX, the information was addressed to Mr. XXXX and me to his address in separate letters. My address hasn't been the same as my ex-husband 's since XXXX. Once we received the information we attempted to contact XXXX XXXX XXXX XXXX XXXX XXXX firm XXXX. On XX/XX/XXXX, I finally spoke with a representative from both businesses. XXXX XXXX from XXXX and XXXX from XXXX XXXX acknowledge, " We do not return calls. '' I was asked to present proof that one of the alleged debts was paid. I did so on XX/XX/XXXX. On XX/XX/XXXX, we were served to appear in court. The Sheriff didn't take the time to search my current address and my papers were given to my ex-husband ( what if we weren't on speaking terms XXXX. On XX/XX/XXXX, we appeared in court. I share with the Honorable XXXX XXXX XXXX that the information Mr. XXXX XXXX had wasn't correct and she interrupted me stating, " This is not the time to discuss this. We have a lot more cases on the XXXX XXXX docket. '' Mr. XXXX XXXX asked me if I had the correct information. He stated, " I will forward you the information ''. At this writing, I nor Mr. XXXX have received any. We spoke with XXXX at Mr. XXXX 's office requested a payment coupon to pay the claimed debt. Again we were told that XXXX XXXX firm doesn't send a payment coupon or correspondence. Also, XXXX stated, " This judge is aware that we do not return calls or send out payment coupons or any correspondence regarding the debt. So do you want to make the full payment today? '' We were advised to call on XX/XX/XXXX, four days before our next court hearing to pay the debt in full. After XXXX XXXX receives the payment they will notify the courts and mail separate statements to Mr. XXXX and me.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

The company has completely ignored my certified letter demands for validation of the alleged debt they claim belongs to me. This company continues to report this alleged debt to the major credit reporting agencies, damaging my credit report. I am now forced to file a civil lawsuit against them in my local federal court for damages. This company has repeatedly violated my consumer rights and ignored federal laws, costing me loss opportunities, time and money.
Consumer complaint received 2021-05-04
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Someone impersonated my boss and emailed my company email address as my boss, they used my boss 's email address and emailed me from that email address. They then texted me and told me to purchase several gift cards. I double checked with my boss and realized it was a scam but by then I had purchased {$4500.00} worth of gift cards from XXXX and XXXX. XXXX said to contact credit card and debit card company. XXXX was able to lock 17 out of the 18 cards. XXXX XXXX canceled the charge immediately. Capital One said they could not do anything. Capital One refused to cancel the charges and provide help on the issue. Capital One clearly provides no protection for their users. I filed a police report, I filed a complaint with the FTC and I filed a complaint with XXXX
Consumer complaint received 2022-04-29
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: National Credit Systems,Inc. (NC)

The following account, with the XXXX was opened on the date of XX/XX/2017 without my knowledge and added to my credit report for the amount of {$7900.00} dollars. This is considered a fraud and additionally is a violation of my rights as a consumer. Furthermore, this company never validated the account with any supporting evidence as required under 15 usc ****g I demand this account to be taken off as soon as possible from all the credit reporting agencies including XXXX XXXX XXXX and XXXX XXXX I also demand {$1000.00} per occurrence for this violation. National Credit Systems is holding me liable for a debt that has been paid and full. My debt was not with National Credit Systems it was originally with XXXX XXXX. National Credit Systems also advised me that once the account is paid in full it would be removed from my credit report. National Credit Systems also increased the original amount from XXXX XXXX. I want this cleared off my credit immediately as it has been paid, as promised in the letter. I want the agency to forward this paid in full and a clearance letter to XXXX XXXX as well, so the debit is cleared. I want my money back and this information removed from my credit report. In the form of certified funds.
Consumer complaint received 2021-05-24
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. (SC)

The Credit bureaus seem to throw my letters out or do not do anything on my file. I have late payments that are not true. I have a charge off that is no t true.I want the inquiries I did not authorize removed. I have several accounts that do not belong to me. My name and alias names need to be corrected. My addresses are wrong as well. I am attaching a letter of explanation.
Consumer complaint received 2018-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Professional Recovery Management (TX)

I received the response from XXXX XXXX XXXX through the CFPB portal. XXXX XXXX XXXX   mentioned that I have disputed this previously in an attempt to discredit my claim, which is unfortunate. When researching XXXX XXXX XXXX it appears they operate out of a trailer in a rural town in Tennessee. When reading the reviews of XXXX XXXX XXXX online it appears this attempted intimidation tactic to discredit claims on small debts is a wide spread problem for this small company that should be addressed. 

When researching this company I attempted to locate their license to practice debt collection in the state of Tennessee but was unable to locate the record. When searching for their license I searched for the business name, XXXX XXXX and XXXX XXXX. 

I searched for their business license and what I found continued the record of disturbing information about this company. It appears XXXX XXXX XXXX lost their license to practice business in the state of Tennessee on XX/XX/XXXX and continued to do business, illegally, until they applied for reinstatement on XX/XX/XXXX. I used complaint dates filed against the company to determine the likelihood that they continued to operate without a license during the lapse. 

This company is attempting to collect a debt for a utility at a home I never resided in, owned, leased or rented. Property records show I never owned or had any interest in this property, this address is not located on any of my credit files or reports and I was not even living in the state where this account was opened when this account was opened. I understand that this small company has some big issues, but since I have now been advised to submit this information directly to the credit bureaus and cut XXXX XXXX XXXX out of the discussion I wanted to provide this update to the parties involved so we all get a good idea of they type of company we are dealing with, which is exactly why the CFPB had to be established. I will include XXXX XXXX on this dispute so they receive an official copy.
Consumer complaint received 2021-05-04
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. (FL)

Hello I've tried over and over again to have the credit agencies to remove these accounts because the statute of limitations has expired. Listed below are the accounts that are reporting and should be removed according to the CRA. 

XXXX Account # : XXXX Account Type - Detail : XXXX XXXX estate mortgage. Date Opened : XX/XX/XXXX XXXX XXXX : {$310000.00} ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 
XXXX XXXX Account Type - Detail : Rental agreement Date Opened : XX/XX/XXXX High Credit : {$920.00} ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... 
XXXX Account Type - Detail : Educational Date Opened : XX/XX/XXXX High Credit : {$0.00} ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... 

XXXX Account # : XXXX XXXX XXXX : XX/XX/XXXX Balance : {$4500.00}
Consumer complaint received 2019-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

My mortgage was sold to PPH from OCwen ( another story ). Apparently, my payment was increased by {$17.00} a month due to a shortage on my escrow account. No notice went to me, so I am making my normal payment. Well PPH holds my payment ( which is {$3400.00} ) and doesn't apply it until the next month when I make my payment again. So I have this rolling late of {$17.00}, then {$34.00}, then XXXX, etc ... I pulled my original note and no where on there does it say that I need to pay more than the principle and interest payment due {$2000.00}. So I don't even know if this is legal, to mark me late for a shortage on my escrow account, and reassess it, and not notice me .... According to the note, the principle and interest payment is to be applied first. Not sure where to go from here, but the escalation manager apparently owns the company since she said she did not have a manager
Consumer complaint received 2018-02-04
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. (GA)

XXXX, Experian and XXXX XXXX are reporting inaccurate information. My credit score should be in XXXX   's. A lot of finance companies on my report that I've never dealt with. Please correct this information. I want to buy a house and buy some property.
Consumer complaint received 2018-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, XXXX and Trans Union are reporting inaccurate information. My credit score should be in 700 's. A lot of finance companies on my report that I've never dealt with. Please correct this information. I want to buy a house and buy some property.
Consumer complaint received 2018-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Midwest Recovery Systems (SC)

Midwest Recovery Systems has placed information on my credit file for an amount of {$300.00}. I have never had a loan with this company and reported it as fraud 6 years ago. This debt has reappeared on my file without notice or reason especially since the statute of limitations for alleged debt has exceeded
Consumer complaint received 2021-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HSBC NORTH AMERICA HOLDINGS INC. (NC)

I filed Chapter XXXX Bankruptcy on XX/XX/2020. One of the creditors listed in XXXX XXXX XXXX XXXX, HSBC Bank USA, N.A., of my bankruptcy petition, has sent me a 2020 tax year 1099C. Under the identifiable Event code, ( XXXX XXXX ) they claim it as XXXX XXXX - " a decision or policy to discontinue collection ''. It should in fact show in XXXX  XXXX the following code XXXX XXXX " bankruptcy ''. Due to the inaccuracy I would have to pay taxes on this " forgiven '' debt versus a " discharged '' debt through the bankruptcy. 
I will file a form 928 with my taxes in hopes that IRS will realize I do not owe this and it was filed in bankruptcy however I want this changed. I know I am not the only person this is happening to. HSBC has refused to talk to me and there was no point of contact included with the 1099C when it was sent. 
I feel that this is a shady attempt to get money out of people who are already in financial despair but who have done what they were supposed to do legally, to rid themselves of the debt. 
My Discharge from the Chapter XXXX bankruptcy was dated XX/XX/2020.
Consumer complaint received 2020-01-22
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. (CA)

These accounts are fraudulent and do not belong to me XXXX  XXXX  account number XXXX openedXX/XX/XXXX XXXX account number XXXX opened XX/XX/XXXX XXXX account number XXXX opened XX/XX/XXXX XXXX XXXX XXXX + duplicate listed twice account number XXXX XX/XX/XXXX
Consumer complaint received 2021-05-04
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: ADP Inc. (CA)

On XX/XX/XXXX, a counterfeit Visa debit pay card was used to withdraw {$980.00} from my account. The following is a timeline of account activity on that day as well as communication between myself and the XXXX XXXX customer service people. 

XX/XX/XXXX XXXX XXXX  : Online purchase of XXXX XXXX from XXXX using home computer XXXX XXXX  : Withdrawal of {$200.00} from XXXX ATM in XXXX, CA ( 50 miles away ) XXXX XXXX  : Withdrawal of {$200.00} ( same location ) XXXX XXXX  : Withdrawal of {$200.00} ( same location ) XXXX XXXX  : Withdrawal of {$200.00} ( same location ) XXXX XXXX  : Withdrawal of {$180.00} ( same location ) At approximately XXXX XXXX  of the same day, I attempted to use my card to purchase food at XXXX XXXX XXXX restaurant, located at XXXX XXXX XXXX, XXXX XXXX CA XXXX ( approx. 6 blocks from my home ) The card was declined. Thinking it was their card reader that was malfunctioning, I went to use an ATM machine at the XXXX store next door to withdraw cash, but the card was declined again. At this point I called XXXX XXXX 

XXXX XXXX : Called XXXX XXXX and after reviewing last 5 transactions, disputed the withdrawals and cancelled the card. Was told by customer service rep investigation would be made, taking at least 45 but no more than 90 days before money would be replaced in my account. 

XX/XX/XXXX XXXX XXXX  : Called XXXX XXXX  to inquire about investigation, was told still in progress XX/XX/XXXX XXXX XXXX : Received letter dated XX/XX/XXXX from XXXX XXXX stating investigation completed and no error occurred. Called them and was told to send email to ADP to reopen investigation. 
XX/XX/XXXX XXXX XXXX : Emailed ADP as instructed to reopen investigation. 

XX/XX/XXXX XXXX XXXX : Called inquiring about progress of reopened investigation, was told there's no record of it being reopened, etc, etc. After explaining several times and providing date and time of email I sent, investigation was NOW officially reopened. 
XX/XX/XXXX XXXX XXXX : Called inquiring about progress of reopened investigation, was told still in progress XX/XX/XXXX XXXX XXXX : Called inquiring about progress of reopened investigation, was told still in progress XX/XX/XXXX XXXX XXXX  : Called inquiring about progress of reopened investigation, was once again told they had no record of the investigation being reopened (! ) Here we go again. After about 10 minutes, the CSR was finally able to find that it HAD been reopened, but there was no info on its progress. I asked for a record of dates and times of calls from me to XXXX XXXX, and the CSR gave them to me. 
( wouldn't give me the names of who I spoke with each time though )
Consumer complaint received 2022-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (WA)

This is the 2cd issue I've had with a large amount of my funds being stolen. The first time I filed a dispute and was declined. I filed a rebuttal and it was declined as well. I then filled a complaint and nothing happens. {$7400.00} are still missing from XXXX. Now this incident occured XX/XX/XXXX through XXXX of XXXX. I filed a dispute and it was declined. I proceeded to file a rebuttal and all the sudden the company closed my accounts stating I breeched agreements in which I did not. I filed identity theft 2 times with FTC. When I sent a copy of my report to chime is when they closed my account. I have asked in XXXX for documentation as to why they declined my rebuttal and I did not receive nothing. This time XXXX of XXXX I asked for documentation as to why they declined my rebuttal as well as documentation of what agreement I broke for them to all the sudden close my accounts after banking with them for 8 years. I had an active checking savings and credit card and they closed all 3 stating I did something. They have stolen over XXXX and won't give me documentation so I can pursue legal action. I asked them to freeze my account during these times my money was being used without my permission. They did not freeze my accounts. Now I'm facing hardship due to this large amount I'd my money taken each time. Still to this day I have received no reasonable explanation or was I provided documents I requested. Please help.
Consumer complaint received 2021-09-20
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. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-10
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: ERC (PA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-04-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I received a hard inquiry alert stating Bank of America made a bank inquiry on XX/XX/2022. I do not have any accounts or applications at Bank of America
Consumer complaint received 2022-04-28
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. (CA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentially under 15 USC 1681. 


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 a 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-05-04
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. (OH)

Looking over my report and noticed a medical debt that was paid but is still reporting on my credit report., I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide a breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.