davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
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. (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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and 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 2015-07-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (FL)

this account was compromised and new lines where added without my knowledge or consent given. I spoke with both the creditor when the issue was bought to light after receiving an accelerated billing statement and extra lines where added to my account. I asked both XXXX and the collecting agent ( review recorded messages XXXX to investigate how these additional lines were opened and activated without my consent and to make amendments to the bill to only include the authorized line on the account. Nothing has been done to correct the account since 2009. I ask for full validation of this account ; when and where the lines were added ; a copy of the signed contractual agreement and any other documentation that validates my authorization to add lines to this account.
Consumer complaint received 2019-05-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I have recently been informed that there is negative information reported by XXXX Bankruptcy XXXX Il XXXX in my file maintained under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing Discharged Chapter XXXX Bankruptcy Reference # XXXX. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with XXXX Bankruptcy Court Il XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.Privacy Protection for Filings Made with the Court ( a ) REDACTED FILINGS. Unless the court orders otherwise, in an electronic or paper filing made with the court that contains an individual 's social-security number, taxpayer-identification number, or birth date, the name of an individual, other than the debtor, known to be and identified as a minor, or a financial-account number, a party or nonparty making the filing may include only : ( 1 ) the last four digits of the social-security number and taxpayer-identification number ; ( 2 ) the year of the individual 's birth ; ( 3 ) the minor 's initials ; and ( 4 ) the last four digits of the financial-account number. I have also included documents for the courts to show they do not report any information to the credit bureaus where you claimed the information was verified.
Consumer complaint received 2024-03-08
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (VA)

The documentation was not provided to me. There is no proper verification of debt from me to Collection Agency. We went to court XX/XX/2023. There was no other debt but court fees due at the court hearing of that date. By federal law you have not right to apply debt in my name that I did not agree to with signature to pay that debt. I knowingly dont have knowledge of agreeing or signed documentation saying that I agreed to pay this debt. 

The moment XXXX gave the right of contract to the collection agency. I am no longer responsible for any debt said owed. If there is a debt that is to be owed. I should be taken to court for the debt obligation. 


By federal law, Under exclusive equity jurisprudence, equitable subrogation is a principle that allows the surety to step into the shoes of the creditor and obtain all the rights and securities that the creditor had against the debtor. In other words, the surety acquires the rights to pursue remedies available to the original creditor, including collateral or liens held by the creditor. Which means if I make a payment on this debt. The debt no longer belongs to anyone but me. Which means you FCO takes on the responsibility of me. And FCO will owe me the money of the debt. 
If the original creditor wants me to pay the debt to them. They are responsible for claiming that debt on their own. If not, by FCRA law, I am no longer responsible for any debt if administered by third party. 

If FCO wants the obligation to this debt to be paid. Please provide me with the registered agent of service documentation, the right to collect debt in the state of Virginia, and documentation with my signature on it, saying that I have agreed to pay this debt. 

If you can not provide the documentation please, I demand that it be removed from my credit report immediately.
Consumer complaint received 2016-06-02
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Lionstone Holdings Group (TN)

I was contacted by phone to let me know that the caller would be coming to my home on XXXX XXXX, 2016 to have me sign forms regarding collecting a debt I ( supposedly ) owed. 

When I asked the caller what was the debt? She did not tell me but referred me to a phone number to call to get such answers. She politely supplied the number, and I immediately called it. The number I called : ( XXXX ) belongs to a debt collection company LHG - Lionstone Holding Group. I spoke with a customer service representative by the name of XXXX XXXX. She verified that they were attempting to collect a debt from a XXXX XXXX at telephone XXXX. The social security last for digits did not match my social security number and the date of birth also did not match my date of birth. With this information verified, she said that the may have the wrong person, and to not worry about it. I asked for the address that they were sending the first caller to, this they would not diverge because they said it did not matter since it appears that they probably had the wrong person. 

I told her that this matter still mattered to me because I had never heard of a credit collection agency sending someone out to your home to have persons sign papers regarding a debt. The Rep replied that that part was handled in another department and she did not know about that portion of the work. I asked what was the debt, but she insisted that since the social security number and DOB did not match, she could not tell me any more about the debt. I told her I was very disturbed about how the whole issue was being handled because I was called on my phone and harassed about a debt they claim I owed and would be coming to my home on Friday XXXX XXXX ) to have me sign certain forms, yet they can not tell me what kind of debt or how much it is ... after disturbing me in my home by an harassing phone call over it ...., left me disturbed and unsatisfied with the results. I also told her that I had never heard of a collection agency being sent to your home to collect a debt or sign papers concerning the debt, and that the only people I know that come to your home are sheriffs to serve notices and warrants - and they come with guns on their hips prepared to protect themselves ; I also stated that the collection agency 's practices were disturbing to innocent people and dangerous to the people being sent out, and I would report this incident to Consumer Financial Protection Bureau both for my sake and for the workers ' sake, and that they needed to change their practices.
Consumer complaint received 2017-01-09
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I paid off Nissan Motor Acceptance Corporation in a timely manner. I do n't understand why a charge off has been placed on my credit report. Nissan requested that a payment in the amount of {$850.00} had to be paid in full by XXXX/XXXX/2016 by XXXX XXXX. I paid the {$850.00} by the date that they specified at XXXX XXXX. They informed me that the payment was received on XXXX/XXXX/2016. I informed they of my payment on XXXX/XXXX/2016. They stated that it did not meet the deadline that they requested and XXXX XXXX XXXX time was too late because they closed at XXXX XXXX. I was not informed of the time specifications and as a result they placed a Charge off on my account. I would like to dispute this because in all earnest I made every effort to pay by the deadline that was set by the company.
Consumer complaint received 2019-05-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have disputed the late payments on the stated accounts for months. The credit bureaus refused to reverse the late payments. I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP .. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ,
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK (AZ)

I established a new account with Discover Financial Services in XX/XX/XXXX. I had not used this account until XXXX. When I login online to discover 's website, it is displaying a XXXX balance for this account. As of XX/XX/XXXX, they have reported me 60 days delinquent. When asked why the account shows XXXX balance, they stated I'm looking at a closed account. Nothing on the website shows it is closed. It says XXXX balance, available credit {$5500.00} and does not offer me the ability to make a payment. Then I asked why they never called me regarding the account and they stated they did not have a phone number on file for me which is not true as I have received text message notifications from them in the past. The account is paid in full and closed and this was the first payment due on the account. Discover is refusing to update the credit reporting information due to their technological issue on their website that causes it to display closed as accounts as current information. They made no attempt to reach me other than supposed snail mail that I never received. Based on how I explained this issue to them, I believe it's completely unreasonable that their software displayed a XXXX balance and I have screen shots to prove it.
Consumer complaint received 2017-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

M y credit score is affected by " the number of delinquent accounts '' which does n't make any sense to me. I do n't remember having a late payment in recent history. In fact, my FICO repo rt shows that I 've made 100 % of my payments on time in the last 24 months.
Consumer complaint received 2016-12-04
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mendelson Law Firm (TN)

On XXXX/XXXX/XXXX I was treated at XXXX XXXX XXXX XXXX Hospital for XXXX. At the time my husband provided my current insurance and personal information. At the time, I had XXXX insurance, through XXXX XXXX XXXX. Shortly after the services, I received a bill from the Emergency room and ambulance service. I paid all out of pocket expense ( about {$1800.00} ) which I assumed was the complete bill for that date of services. On XXXX XXXX, XXXX ( 14 months later ) I received a bill from XXXX for a collection account in the amount of {$5100.00} for XXXX XXXX XXXX Florida. After researching this, I found out that the hospital did not update my insurance info or personal information, so my bill was not submitted to the correct insurance company. Also I was never called or received any information regarding this bill until XXXX/XXXX/XXXX. Now my insurance co, XXXX, will not pay and the hospital wants me to pay out of pocket {$5100.00} which I do not have or do I feel it is my responsibility since it was caused by their neglect. Especially since the other companies had my correct information and billed me in a timely manner and were paid in full. Now the account has turned over to Mendelson Law Firm, XXXX XXXX, XXXX, TN XXXX. They provided a letter that states this bill was turned over to XXXX on XXXX XXXX, XXXX. As stated above I was not notified until XXXX XXXX, XXXX after I moved to another state. This proves no attempt was made to me for over a year. If I was notified in a timely matter my insurance company would have paid the bill and this would have never happened. Please investigate this lack of billing integrity which has caused this financial burden on me and my family. 

XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2020-09-10
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: Experian Information Solutions Inc. (CA)

I am asking for the following account to be deleted on my Credit report ; These accounts listed below does not belong to me, I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-05
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX. 2015 Chase Bank charged my account {$34.00} for an NSF fee. The account had a balance of {$780.00} and XXXX XXXX debits came in. XXXX for {$100.00} and the other for {$1000.00}. Chase paid the larger item first thereby allowing them to charge XXXX fees of {$34.00} each. 
The {$100.00} debit should have been paid XXXX and the {$1000.00} XXXX. This would benefit the consumer and Chase would not be able to charge for XXXX NSF items. Chase paid the larger item XXXX and therefore allowed them to charge XXXX fees of {$34.00} each. I called and asked Chase to refund the {$34.00} for the {$100.00} ACH debit. I was denied. 
Chase 's reasoning is that they had done the allowable courtesy refunds to my account for 2015 and was unable to perform any additional courtesy refunds on my account. 
Why is paying items when they come in based upon the money on hand considered a courtesy. I understand perfectly the charge for the {$1000.00} as the deposit covering that ach was not credited until XXXX/XXXX/15. I want my {$34.00} XXXX to my account.
Consumer complaint received 2016-05-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (MD)

My mortgage company sent me a modification offer which I signed and accepted. My total monthly mortgage payment is supposed to be {$1600.00}. Caliber Home Loans just called me and told me that my total mortgage payment due is {$2300.00}. I asked why it was that much and they explained that they had forgot to add fees to mortgage modification so {$2300.00} is the amount due ; this can not be legal. Caliber Home Loans needs to waive any fees that they " forgot '' to add to our executed mortgage modification agreement. Caliber Home Loans took more than 90 days to approve my modification so they had plenty of time to check their work to make sure that they were offering me the right modification. I should not have to pay for Caliber Home Loans mistakes or for fees that I did not agree to and that were not part of our agreement.
Consumer complaint received 2017-01-05
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (MA)

I am requesting a foreclosure postponement so the servicer can review all loss mitigation options. I have a full short sale offer pending that they have not reviewed. the servicer has not assisted me. The impending auction has become intensely stressful. I am only requesting a XXXX stay and they are denying me that option.
Consumer complaint received 2022-02-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX, after several offers to open a checking account and taking into account I wanted to ask for a debit card for my two daughters, I decided to open an account online. 

I followed online steps, replying all questions the process asked me, including my immigration status, so I responded that I am a visa holder who have been working in US for the last four years. Everything was ok, and once I had my account, I opened two more for my daughters, two Chase First account, associated to mine, the main one. Once the account was opened, I made a {$2000.00} money transfer from other account and configured a Direct Deposit to get the checking account offer, {$220.00} premium. 

Next week, on Tuesday XX/XX/XXXX, they locked my online access and gave me a telephone number to solve the issue. After 30/40 minutes at the phone they suggested me to go to a branch to open the account in person. 

So, I did it. On Wednesday XXXX, I was at the branch trying to solve the issue, and after more than 2 hours, my banker was able to open my account after revision of all the needed documentation they asked me. My banker, XXXX, transfer my {$2000.00} to the new account and told me I was able to open my daughters accounts online. I pointed out she to wait some days to close the account because it had a Direct Deposit configured and I wasn't able to change the payroll payment with this short notice. Of course, they didn't listen to me, and they close the 3 accounts, due to that, I didn't receive my payroll. 

Perfect, no problem, again, I opened two Chase First accounts for my two daughters and transfer them some money from the principal account. 

On Wednesday XX/XX/XXXX, I realized my online access was locked again. Same, several telephone calls trying to understand what the problem was, jumping from one operator to another... 

On Thursday XX/XX/XXXX, I go back to the branch but I wasn't able to talk to my banker, and I was helped by another employee. After several calls with other departments, he told me that Chase doesn't want to work with me, giving me no reason and worst of all, he didn't let me withdraw my money, {$2000.00}. He told me, Chase would send me a check which I don't get yet. 

The way Chase is treating me is completely unacceptable, I would like to receive a reason why they denied my account application, an apologize for all the inconveniences this situation is creating me and, off course, my money back.
Consumer complaint received 2019-05-28
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 (IL)

On XX/XX/XXXX I was charged XXXX $ to repair my front bumper by XXXX in XXXX. When I picked up my car, they misaligned the holes for my parking sensors and didn't finish sanding down the edges. I then was told to come back and they would fix my bumper as they had painted an area that wasn't suppose to be painted. The manager ( XXXX ) at the place kept saying come back another date when they were less busy. Eventually I went down in person and they had closed that location. I then called the nearest XXXX which is in XXXX and they said there was nothing I could do and they didn't want to repair it. I opened a dispute with 5/3 bank saying the services weren't fully completed and they said that it was a valid claim and would not refund my money.
Consumer complaint received 2017-02-28
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Mortgage Research Center, LLC (OR)

In  XXXX    XXXX  ,  Veterans United Home Loan told us th at my mother had {$150000.00} to buy a house on an already approved loan. We found the perfect house up in  XXXX , then afte r eight months of telling us to pack up and that the house was going to close soon, it never did. They said that my mother did n't  make enough money. In reality, when talking to a local lender, she would only be approved for {$50000.00}. They said they made a mistake and would send back my earnest money, the amount of {$500.00}, and they were going to put a new team on it and get back to me. It 's now been  five mon ths and they wo n't return any of my calls or emails. They should 've made further inquiry and informed us that I could n't cosign a VA loan with her, and lead us on for a year while taking my money. If the information regarding how large her loan would actually have been and the stipulations of the VA loans made clear in the beginning, I would n't have wasted my time, money, and efforts from the start.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX