davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-23
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company (AZ)

In XXXX XXXX, I was in a bad XXXX accident that caused me to fall into financial trouble. In XXXX XXXX, I was able to make a payment to catch up my mortgages that would have left me in good-standing as of XXXX XXXX, XXXX. After paying the full payment amount they indicated after going through their automatic system and speaking with XXXX people ( $ XXXX {$160.00} ), they stated that they only received $ XXXX {$160.00} and it still does not bring my accounts to good-standing regardless of the statements and information given to me. Even after confirmation with my Bank stating that they received the full payments of $ XXXX {$160.00}, Freedom Mortgage has continued to state that they can not find the money or that it has been misapplied but are not resolving the issue. They continue to delay and are refusing to resolve the issue after a month of continual calls and interactions.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-04-18
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. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXXXXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX CT XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX Balance : {$11000.00}.
Consumer complaint received 2022-01-26
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: FIFTH THIRD FINANCIAL CORPORATION (TX)

Transaction of XXXX USD at the ( See attachment for name of hotel ) Hotel on XX/XX/2021. 
- XXXX admits that this is an overcharge due to a system failure -XX/XX/XXXX informed the dispute must be filed by bank so that it may appear in their system and they can accept it. 
- XXXX mentions that up to now, no such dispute arrived. 
- I filed a dispute many months ago with XXXX Bank, they returned a false statement of their investigation " there was no error '', which contradicts both my attached evidence and what the hotel is specifically saying. Clearly no effort was made here to contact hotel and validate money they would refund me. 
- My understanding is that there are hundreds of alike issues with XXXX Bank with no resolution. 
- It has now been 5 months and i still do not have my money, no easy way to resolve it, and a ongoing circle of people differing me to others. 

( Please reference attached document for details )
Consumer complaint received 2017-02-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Account Recovery Services, Inc. (NV)

Hello, XXXX continues to attempt to collect on a debt that is not valid. I have requested proof of debt and they have not provided such. They continue to report the erroneous information to XXXX in violation of the FCRA and show that prior disputes were resolved, which they were not.
Consumer complaint received 2024-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (LA)

I opened some disputes on my chime checking account against XXXX thats a betting casino site someone stoked my information and took the money from my chime account to make illegals bet. Betting is illegal and I have contacted XXXX and they said they refunded all the money to you guys ( chime bank ) but the money is still not in my account. Im being owe over XXXX usd dollars in my account. If this is not fixed before Thursday I will proceed to small claim courts. Thank you!
Consumer complaint received 2024-02-20
Product: Credit reporting 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. (TX)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX 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
Consumer complaint received 2022-08-10
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: EQUIFAX, INC. (DE)

So I sent a letter on XX/XX/XXXX to remove personal information that i do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802 No one has my permission and I do not do business with these companies. 15 USC 1681 ( n ) These are clear violations to my protected consumer rights
Consumer complaint received 2015-12-22
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO. (WI)

I was working to pay off a Chase credit card. When I finally got the balanced payed down to XXXX, I received another bill for additional money that I apparently owed as well. I called up the Chase customer service line, paid that additional money off and was assured that was the last bill I would have to pay them and that my account was officially at XXXX balance and closed. XXXX months later, I received another bill for more interest that I apparently build up from a zero balance that I then owed again. I do not understand how I can be told I owe nothing more to a bank, only to get another bill from them with more money owed.
Consumer complaint received 2017-03-13
Product: Credit card — 
Issue: Arbitration — 
Company: AMERICAN EXPRESS COMPANY (CA)

My name is XXXX XXXX AND I AM FILIND A COMPLAINT AGAINST AMERICAN EXPRESS CREDIT CARD. I HAVE NEVER APPLIED FOR ONE I WAS GIVEN A CARD BY MY EMPLOYER AND WHEN THE BUSINESS CLOSED I WAS STUCK WITH THE DEBT OF THE CORPORATION. I AM NOT AN OFFICER OR PART OF THE CORPORATION, I WAS ONLY AN EMPLOYEE. I HAVE DISPUTED THE ACCOUNT WITH AMERICAN EXPRESS OVER FIVE MONTHS BACK AND FORTH ASKING THEM TO VERIFY THAT I HAVE SIGNED ANYTHING THAT MAKES ME LIABLE FOR THIS DEBT. 
THEY HAVE FILED A CIVIL LAWSUIT AGAINST ME AND HAVE PUT A LEVY ON MY ACCOUNT. THEY HAVE BEEN WITHDRAWING MY MONEY WHEN THEY SENT A LETTER INDICATING THAT THEY HAVE NO SIGNATURE ON FILE FOR THE ACCOUNT THAT WAS OPENED UNDER MY SOCIAL. IT IS A VIOLATION OF CREDIT REPORTING LAWS. HOW CAN I BE BINDING TO A DEBT WHEN THEY HAVE NOTHING BEARING MY SIGNATURE. I AM DEMANDING THIS LAWSUIT BE REMOVED FROM MY NAME AND MY ACCOUNT TO BE CREDITED BACK THE $ XXXX THAT WAS TAKEN FROM MY ACCOUNT RETURNED BACK TO ME IN FULL. BASED ON FDCPA Section 807 ( 8 ) AMERICAN EXPRESS FAILED TO COMPLY. NOT ONLY DID THEY SEND A LETTER INDICATING THAT THEY WILL DELETE THE ACCOUNT OFF MY CREDIT BUT THEY CLAIMED THEY HAD NO SIGNATURE ON FILE FOR THE ACCOUNT YET I AM LIABLE FOR THE DEBT THAT IS ALL WRONG AND COMPLETE VIOLATION OF FEDERAL LAW FAIR DEBT COLLECTION PRACTICES ACT AND FAIR CREDIT REPORTING ACT WHICH ENTITLES ME TO DAMAGES OF {$5000.00}. THIS LAWSUIT NEEDS TO BE RETRACTED AND THE ACCOUNT CLEARED COMPLETELY FROM MY NAME WITH FUNDS RETURNED BACK TO ME AND THE LEVY REMOVED OFF MY ACCOUNT.
Consumer complaint received 2015-03-29
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation (CA)

I got a loan with Avant Credit XXXX {$2500.00} and I made XXXX payments of {$110.00} which totaled {$2200.00}, I still owe a total of {$1500.00} which in total calculates to XXXX, which means that the loan 's interest rate is 160.056 %, I am unable to find the original documents and have attempted to contact the company. I believe that the loan violates the Truth in Lending Act and specifically 15 U.S. Code 1602, 15 U.S. Code 1666i-2borrowed 2500paid XXXX XXXX owe XXXX
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Credit Karma (OK)

On multiple occasions I have been victim of the false pre-approval advertisement emails by Credit Karma. I have used them for credit reporting for many years, and was surprised to find that they were falsely advertising to me. I have not complained as of yet, because I did not know that this was happening to other people. I thought it was just my account being messed up. Please let me know how I can submit a claim concerning this issue. 

Thank you and God bless you in your efforts. 

XXXX XXXX
Consumer complaint received 2022-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

So I sent a letter on XX/XX/XXXX to remove personal information that i do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802 No one has my permission and I do not do business with these companies. 15 USC 1681 ( n ) These are clear violations to my protected consumer rights
Consumer complaint received 2016-06-13
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (AZ)

Cardinal Financial offered a better rate on my mortgage so I followed the normal refinance process of full disclosure of my assets, income, and obligations. There was no doubt that I had at least 60 % equity in my home based on selling prices of like models in our subdivision. I said to Cardinal Financial if I did not qualify for any reason I would not pay for an appraisal. Cardinal Financial said I qualified so I paid the {$470.00} for the appraisal. The appraisal came 10 % lower than comparables, but still showed 50 % equity. I have a pension, social security, and had a part time job. Next thing Cardinal called me and said the part time job needed to be in existence for 2 years and suddenly I did not qualify. Since my wife at this time received an inheritance that could bridge this income shortfall through an annuity I offered this as a substitute for the part time job. The individual I was working with suddenly would not return my calls as well as any of my contacts at Cardinal. I registered a complaint to the North Carolina XXXX ( case id : XXXX ) to get my {$470.00} back and even though they responded that I did n't qualify because of the XXXX job, they never answered my other questions such as why I qualified before the appraisal but not after they got my {$470.00}.
Consumer complaint received 2017-08-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SMITH, ROUCHON & ASSOCIATES, INC. (MS)

I have been attempting to contact this company ( Smith Rouchon & Associates Inc ) about 3 debts they state I owe with XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I have NEVER received any type of statement and I actually disputed the items under my XXXX  credit report in which they removed all three because they were in fact no validated debts. I have requested that XXXX does the same ; however, XXXX will not honor and remove it stating it is a valid debt however I have asked several times to send proof of validation and I have yet to receive anything from either XXXX nor Smith Rouchon & Associates.
Consumer complaint received 2015-07-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Creditors Service Bureau Inc (FL)

I currently have an complaint pending against the company. As stated in my intial complaint. This account settled by my health insurance and i have been writing to each of the credit bureaus about this account since XX/XX/XXXX. I had Insurance! I was covered by my parents policy XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and have held XXXX insurance of which I was covered under up until I was XXXX yrs of age ( XX/XX/XXXX ). I acquired my own insurance in XX/XX/XXXX when i turned XXXX yrs of age.
Consumer complaint received 2023-06-12
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. (MS)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN CHILD SUPPORT XXXX XXXX XXXX XXXX 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Last Saturday XX/XX/2019 I did a transactions through the Bank of America ( XXXX ), the amount was {$2500.00} a saved the information from those transaction to check the next business day that was Monday XX/XX/2019.  The amount deposit to my checking account was {$2500.00}, {$3.00} dollars less the information of the transaction print from of the XXXX  app. Today XX/XX/2019 I called Bank of America and spoke with the supervisor XXXX Id number XXXX, at begin of the conversation she advice me that the conversation will be recorded, and the end of conversation after she try to trick me with a lot explanation that doesn't match the numbers. The Bank of America use to deposit my transaction and next day apply the fee on the amount of the transaction. This time Bank of America deposited a wrong amount and apply the fees. I feel robbed. I have the Bank Statement, the transaction and the recorded.
Consumer complaint received 2017-02-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (OR)

Dear XXXX, Acc # XXXX We are writing this letter to report XXXX. On XX/XX/XXXX, XXXX cancelled his account with XXXX to start with a different carrier. The XXXX plan was a family plan that included XXXX family member XXXX XXXX contacted XXXX to take over the plan from XXXX, this was to retain her phone numbers and any cell devices. XX/XX/XXXX, XXXX and XXXX contacted XXXX to ensure all changes were final and nothing else was required. XXXX confirmed all changes were made and all amounts have been paid. 

Late XXXX, XXXX received a debt collection notice from Convergent claiming an unpaid debt of {$570.00}. We have contacted XXXX and they have confirmed the debt is for an I-Phone XXXX that was purchased by XXXX. XXXX have stated despite confirming changes they made a " mistake '' and did not change payments over to XXXX XXXX account. 

This debt is damaging to my credit score ( XXXX XXXX ) and XXXX have declined to remove from collections and correct their mistake. 


Any help with this matter would be great.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2016-10-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (CA)

I AM IN A VICIOUS CYCLE WITH SHELLPOINT MORTGAGE SERVICING. I HAVE APPLIED FOR MORTGAGE ASSISTANCE MANY TIMES. EACH TIME I SEND THE SERVICER EACH DOCUMENT THAT IS REQUESTED. I FOLLOW-UP WITH THE SERVICER WEEKLY FOR STATUS. AFTER ABOUT 30 DAYS, I RECEIVE A LETTER ADVISING ME TO SEND ALL DOCUMENTS AGAIN AND COMPLETE ANOTHER APPLICATION. THIS HAS HAPPENED MORE THAN ONCE. THERE HAS BEEN NO WRITTEN DECISION - RATHER JUST AN INVITATION TO SHORT-SELL MY PROPERTY. SHELLPOINT IS NOT REALLY INTERESTED IN PROVIDING MORTGAGE ASSISTANCE. SHELLPOINT PREFERS TO HAVE HOMEOWNERS PROVIDE PAPERWORK OVER & OVER IN HOPES THAT HOMEOWNERS WOULD GIVE UP..
Consumer complaint received 2015-08-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Allied International Credit Corp., (US) (AZ)

Continued calls daily to my phone number all hours of the day and night, weekends as well. I do not know the person trying to be reached. I have left messages for AIC to stop calling me, but they continue to do so. PLEASE do something to get them to stop!! Its weird they do n't get the messages or idea that the person does n't live here!
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: American Collections Enterprise, Inc. (GA)

AMERICAN COLLECTIONS Ive have sent them 3 verification letters and have received no response but they continue to report on my credit. I reached Out to the original company and they are closed and the company that took over has no records prior to XXXX of 2019 to verify anything. They also refuse or just negate to send me over my signed authorization to release my medical information to a 3rd party or a detailed billing statement for the services they are collecting for. This is a HIPPA violation!
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

On XX/XX/XXXX, I made a phone call to XXXX at XXXX, and stated that I wanted them to remove all addresses that were unmailable/not current. They stated that all addresses were removed ( with the exception of the current address ). They stated they were handling it right then in real time, and it would be resolved immediately. As of today, XX/XX/XXXX, I pulled a new XXXX report, and there are still 13 addresses on the report that are not current, mailable addresses, and should have been removed. 

On XX/XX/XXXX, I made a phone call to Equifax at XXXX and stated that I wanted them to remove all addresses that were unmailable/not current. They stated that all addresses were removed ( with the exception of the current address ). They stated they were handling it right then in real time, and it would be resolved immediately. As of today, XX/XX/XXXX, I pulled a new Equifax report, and there is still 1 address on the report that is not a current, mailable address, and should have been removed.

Violations of XXXX XXXX and Privacy Act of XXXX.