davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

In XX/XX/XXXX I was granted bankruptcy and the elimination of my student debt. In XX/XX/XXXX, more student loans showed up my credit report which never did prior to the bankruptcy. My lawyer reopened my case with the courts to have these included in my bankruptcy since these companies XXXX  XXXX XXXX  XXXX didnt tell us when we asked in the original proceedings. They never responded to the court to argue that they shouldnt be discharged, so the court granted that Im no longer responsible for these loans in XX/XX/XXXX. They didnt show up on my credit report after the courts ruling. Then in XX/XX/XXXX, I went to apply for a credit card and I was denied because these loans popped again on my credit report. It said that I was in good standing and owed a {$0.00} balance but they were still joint accounts. This isnt true since the courts said Im no longer responsible for these accounts. I filed my dispute for both XXXX XXXX Equifax on XXXX XXXX. Within a week XXXX removed the accounts from my report increasing my credit score. Equifax denied my report saying consumer disagree with lender. I appealed and got same response. I have court documents saying Im no longer responsible and within a week XXXX recognized this and removed the accounts from my report but Equifax not only consistently ignores the court orders but then writes comments that I disagree with the lender when really its the lender who disagrees with the courts.
Consumer complaint received 2022-02-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

On XX/XX/21 I had TWO stitches put into my hand, and was charged OVER {$1400.00}, a procedure that on average costs right around {$200.00} altogether. I used an in network medical provider and had health insurance. I was told to pay a balance of {$480.00} before I was to be serviced, which I paid in full while I had an open gash in my hand ( documented ). I asked if there was anymore I would owe or be billed later to which I was told no. ( documented ). I was not given an option to refuse an x ray later in the procedure which I was also billed separately for and not notified, so they could code me under a level 4 service and charge me more. ( Also documented. ) I also asked for an itemized list of everything I was specifically being charged for, which I was not given and instead mailed a very vague list which only showed me I still owed {$120.00}, but the math did not add up since there was none. I was certain I had paid my debt in full already. I contacted my insurance company and they were also confused, and was put on a 3 way telephone call with the medical center I was serviced at. This call ended with the medical center unable to provide an adequate explanation as to why I somehow still owed {$120.00} after receiving {$1300.00} between my insurance company and I for XXXX STITCHES, and my insurance representative confused as how I still owed as well, or why I was forced to make a {$480.00} payment before I was allowed to be serviced when I had health insurance. Now Im being sent to a debt collector over a petty {$120.00} after receiving MORE THAN ENOUGH from insurance and I for a XXXX  stitch procedure.
Consumer complaint received 2018-03-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Advantage LNS Inc. (AZ)

I was never contacted by collection agency, XXXX XXXX XXXX XXXX, or original creditor, XXXX XXXX, about this false debt - {$8000.00}. Original creditor had received a judgment against me on XX/XX/XXXX for {$640.00}. I attempted to get the judgment set aside 3 years later when I discovered original creditor had been paid in full by my housing agency but was sent to mediator instead. In XXXX, I had submitted an application for a new apartment and was shocked when declined due to an outstanding rental debt. 

The original creditor had my current address due to the court case I filed in XXXX. The collection agency would have validated my address as well. I was NEVER contacted by either party about this $ XXXX debt because I do not owe it. XXXX XXXX submitted this false debt simply as a way to retaliate against me because I disputed the original judgment. In meditation I let slip that my husband and I were trying to buy a house. XXXX XXXX was forced to report the original judgment as satisfied, thus removing it from my credit file in XX/XX/XXXX. 

XXXX XXXX was never awarded a judgment against for {$8000.00}. Arizona Courts will only award landlords actual delinquent rent amounts + damages + attorney/filing fees. Arizona legal statues prohibit landlords from being awarded " future rent for rentals that may be rented again. '' When I disputed this debt as " not owed, '' " never notified, '' & " illegal '' the credit reporting agencies claimed this debt fell within FCRA criteria and has maintained it on my credit reports thus preventing me being able to rent a place to live, resulting in my homelessness for 1.6 years!
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Hello, I have frozen my three accounts in the aftermath of the data breach at XXXX in 2017. Since then, both XXXX and Experian have made it really complicated to lift freeze every time I need to. XXXX has a simple online system but Experian and XXXX nominally claim only that they allow such lift online. When I log in and enter my pin, the system tells me without detail that it doesn't work. No phone number to call. I reached out to Experian today through their online chat and was given a number with a series of steps to talk to a customer representative who immediately lifted my freeze in a few steps. This showed that my pins worked. When I tried to log in on my XXXX account, I had the same issue. I called but couldn't find an option to lift my credit freeze.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Rocket Mortgage, LLC (CA)

Regarding Rocket Mortgage : When attempting to login to the Rocket Mortgage site to pay the XX/XX/2023 payment, a pop-up briefly appeared prior to presenting the home page. 

Having two mortgages the same pop-up presented itself when attempting to login separately for each account. Only after the second login was I able to read the small window of the pop-up. It appeared for less than 3 seconds, with no action on my part dismissed itself, presented the payment center page and thanked me for " signing up for free credit monitoring. 

Not only did I not desire the " Free Service '' I was able to rapidly determine that there was no " opt out '' option available. 

Upon contacting Rocket Mortgage 's Account Resolution Team, they told that their I.T department would not remove this " feature '' from my account because I voluntarily signed up for it. 

If just attempting to use the the Rocket website is tacit approval for anything their I.T. deems useful to their business model I guess I'm guilty.

This type of behaviour is at least appalling and at worst a direct violation of the privacy rights of the consumer. 

I hereby formally request that Rocket Mortgage cease and desist in this deceptive and intrusive business practice.
Consumer complaint received 2024-02-22
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. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXXXXXX XXXX They in fact did not come from a XXXXXXXX XXXX l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2020-10-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (FL)

I'm dealing with Wells Fargo. Earlier in XXXX, I had opened an account with them based on the huge ad all over their front page saying " get {$400.00} free when you make qualifying direct deposits in your checking account in 3 months. click here to create that account ''. So I created the account, and had direct deposited well over the necessary amount ( they had both a {$3000.00} and {$4000.00} offer, but I signed up at the time of the $ XXXX3 mo. ). When I was wondered where the credit was, I called and was told to call back at another time because no one was able to check the eligibility at that time. This led to me calling them nearly 30 times in the past month, being forced to get checked for eligibility about 5-6 times ( they had determined I was those times, but 'did n't have the authority to process the credit themselves ' ). So they forwarded me to the 'Executive Office ' where I was told I could receive the credit of {$400.00} that Friday ( which is 2 weeks ago now ). Well that payment never came in and since then I've been calling regularly with no help, being told someone would reach out to me within 10 business days each call. Being told my case manager ( which was the one who told me I was getting paid on that day ) wasn't available that day. Then to learn today that I currently " don't have a case manager assigned yet ''. Complete XXXX, I had talked to this case manager multiple times and now they just want to sweep this whole thing under the rug like I haven't been trying to escalate this case for nearly a month now.
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Companies : Experian and XXXX XXXX XXXX XXXX : XXXX XXXX Loan XXXX XXXX XXXX Home Equity loan # XXXX Loan was paid off in XX/XX/XXXX, but still shows with amounts owed : Experian shows {$10000.00} and XXXX shows {$10000.00}. 

Contacted XXXX XXXX on XX/XX/XXXX, and was told they submitted information to credit bureau on XX/XX/XXXX Contacted credit bureau same date and was told they did not get sufficient information to update my credit report. On XX/XX/XXXX, Experian representative hung-up on me after waiting more than 30 minutes. Neither company wants to take responsibility. I told them both this incorrect and negative information is impacting my credit report and credit score and it's hurting my ability to obtain the credit I am entitled to.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (SC)

Santander requested that I provide documentation of inaccuracies and requested proof while stating that they were not going to change information. I believe that they have retaliated against me as I have made a complaint concerning inaccuracies in my account. They have asked for information that they had in their system ( as to payments pushed back to the end of the loan ) and have submitted 30 and 60 days delinquent payment. This company has been manipulating data for the past two months to try to make their reporting better when the documentation that I am providing speaks for itself. I have their payments transaction confirmations and signed extension forms. They have not addressed the team members that have not been professional and they have condone the harmful behavior that has an impact on families. I would like a real resolution and not something that has been pushed under the rug. Like correct the mistake that your team has made.
Consumer complaint received 2020-10-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MA)

On XXXX XX/XX/2020 I went to Home Depot in XXXX MA to purchase items for a job totaling approx {$15.00}. Inserted my Home Depot commercial acct card only to be declined. Reason NO payment for XXXX. I had to produce {$110.00} via my debit/MC to pay. I went home checked my payment slip & I did make a payment in store on XXXX XXXX, 2020, have transaction receipt & the statement stating payment received XXXX XX/XX/2020. Called Home depot CS to have fees removed & card unlocked. They said the card has to remain locked till the XX/XX/2020. I argued that it was their mistake why should I shouldn't be penalized. I have been unable to use the card for small job purchases. I am a XXXX yr old XXXX man with a XXXX  XXXX   XXXX to help pay the bills. because of COVID it has been extremely stressful for the 1st 9 months. Now that I can make a few dollars I can't because Home Depot will not unlock the card after providing proof that it was their mistake. I also went to the cashier that took my payment on the XXXX XXXX to find out why it didn't electronically collect on the payment & she stated it was an equipment malfunction, again not my fault. I sent {$110.00} immediately they should have unlocked my card there & then. Home Depot/Citigroup has prevented me from earnings for this time period which have been estimated to be $ XXXX {$800.00}. They allegedly refunded the fees but won't unlock the card till the XXXX. They need to change their policy. If they get an immediate electronic payment that is applied within 24 hrs. Takes 2-3 days for a check to clear why can't my card be valid as soon as they get the payment so not to create a financial crisis worse than it needs to be for a XXXX senior just trying to stay afloat?
Consumer complaint received 2015-06-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (NV)

I opened an account with CHASE in 2005, The card was paid in full and closed. I owed no money in the credit card before I closed it yet XXXX XXXX XXXX has this account in collection with the full credit amount / total that was paid off. XXXX XXXX is egregiously Violated Fair Debt Collection Practices Act ( " FDCPA '' ), the unfair collection practices by reporting on my credit report an account that was fully paid for before closing.The same account that is being reflected by the original creditor ( chase ) on my credit report as paid in full and balance as XXXX, XXXX a collection agency is reporting as i own a balance of XXXX. The credit limit on that account was XXXX and was paid off even before exceeding the limit.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. All data included in a consumer 's file must be properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and financial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. We must ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence. 

Summary of Accounts being challenged in list form XXXX XXXX XXXX - Account XXXX This is not mine. 

XXXX XXXX - have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX my presume that no proof of the alleged debt nor therefore any such debt exists XXXXXXXX XXXX XXXX - Account XXXX This is not mine.
Consumer complaint received 2023-03-16
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)

I am trying to buy a house and received my credit report and found numerous inaccurate, aliases, accounts and addresses that are damaging my credit report! I have sent 4 rounds of certified and notarized letters to XXXX, XXXX, and Experian. I have even spoke with the fraud department in each agency and sent a FTC identity theft report to each agency. 

I have sent certified letters to Experian asking them to remove Several addresses from my report because I only have one address.

I have also sent letters to each agency explaining and demanding to remove negative transaction history as well as fraudulent collections!

According to the 15 U.S.C 1681 law, there should not be any damages on my report and it is a defamation to my character.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

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.

has violated my rights. Or a list of inquiries : 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 2015-05-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a certified letter to transunion disputing inaccurate information in regards to a public record. I have filed chapter XXXX and it has been discharged. I sent copies of the court information proving that the public record item for XXXX XXXX was included in the discharged bankruptcy. I get back a credit report showing the amount owed of XXXX. It is to my understanding under the FCRA rule no amount should be showing. I also disputed this online. I am filing a complaint for them refusing to fix this error.
Consumer complaint received 2016-03-01
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: American Credit Acceptance, LLC (GA)

American Credit Acceptance ( A.C.A. ) is lying that I owe them {$1000.00}. XXXX XXXX, 2012 I was in a car accident and my vehicle became a total lost. A.C.A. told my insurance companies that I owed {$9700.00}. XXXX paid {$8300.00} ; XXXX paid {$1000.00} ; and XXXX paid {$550.00} for a total of {$9900.00}. They were overpaid by {$240.00} and they never gave me my refund. I had GAP insurance by XXXX, and XXXX refunded the GAP and extended warranty. A.C.A. cant change my balance once they tell my insurance company a balance and cashes the checks. By cashing the checks, they are argeeing that the letter attached to the check is correct amount owed. XXXX had a breakdown of all parties payments except XXXX extended warranty refund for {$240.00} which should have been returned to me, not XXXX.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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.

has violated my rights. Or a list of inquiries : 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.