davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Consultants of California (CA)

Company is in violation of HIPPA. What's frivolous and baseless is the fact the company is lying that they couldn't get a hold of me ( they have my address and all communication ), they actually told me to cease communication with them ( how is that possible if they told me they didn't know how to reach me ), and they're still in violation of HIPPA because they have my medical records and list of procedures done.

Since the debt is beyond the statute of limitations, it is no longer mine and therefore, it should not be reported on my credit report. I will amend my credit reporting history to let all of the bureaus know of the harmful tactics of Collection Consultants.
Consumer complaint received 2021-09-22
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. (TN)

I did not authorize the following inquiries. PLEASE DELETE. 
XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX I have filed several complaints with Equifax, FTC and CFPB. These should NOT be on my credit report. DELETE all three inquiries, please.
Consumer complaint received 2020-11-15
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP (OH)

Around or about XXXX, second or third I Lost my usbank relia card @ XXXX XXXX. I canceled my card and asked for a replacement card. When I received the new card I was unable to activate it. Relia card services told me to fax in my vital statistics to verify my identity. On XX/XX/2020 I faxed the verification from the library. Later I was told they didn't receive it. I faxed it again and again. I was told it wasn't legible. So I mailed it in. And they are still not releasing my pandemic unemployment assistance in the amount of {$1400.00}. it is now XXXX. I have been hung up on and talked to very disrespectfully. Now customer service is saying I have to send them a XXXX or any of my tax information then I informed them that I'm on pandemic assistance. I don't have a XXXX. I didn't make enough money to file I only made {$100.00} XXXX {$150.00} a month getting XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. A card services company should not be asking for my tax information anyway. Then they want me to take a selfie with my id held next to my Face but the web site is bogus and also ask for your card number and pin number ... I'm behind in rent and utilities and can really use the help to them to release my pandemic assistance
Consumer complaint received 2020-04-21
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: SYNCHRONY FINANCIAL (TX)

Found out through XXXX XXXX, on my XXXX  report that there was a hard inquiry from Synchrony Bank on XX/XX/2019 that I did not authorize.
Consumer complaint received 2023-03-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Armada Corp. (WA)

I am reaching out to inform you of the negative interactions between myself and Armada Corp located in XXXX, Wa. I received a legal notice from them indicating I had a limited time to answer and to reach out to Armada. I called the office over 6 times within that time limit and they were unresponsive. When they did answer I spoke to over 5 people before I finally got hold of someone and I spoke to a supervisor that said not to respond to my legal actions they took against me that they would give me a few more days and to call back and let them know how much I could give them. I called back one day before my legal time limit was up and I called they office and they were unresponsive and all the voicemails were full so I could not even leave a message. This was very deceptive of them and they purposely led me on to run out my legal time limit for them to pursue a default judgement.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

XXXX XXXX XXXX and ChexSystems have negatively affected my Chex systems consumer report. Chex Systems is reporting an account closed by XXXX XXXX XXXX which is fraud. Chexsystems is fraudulently reporting a XXXX XXXX XXXX to an account closed under my name on XXXX.
Consumer complaint received 2020-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (DE)

Bankruptcy filing that was dismissed and should have been removed from my credit. Bankruptcy was file in 2014. 

Also loan modification on current mortgage but late payments that were required to even be considered for a modification are still showing on mortgage.
Consumer complaint received 2018-07-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Me my wife applied for Mortgage loan at Bank Of America. They told me that they will give me the loan amount I asked if I buy a house in a certain zip code. I told them I want to buy a house in XXXX XXXX MD and specifically in Zip Code XXXX, XXXX and XXXX. They told me they will not give me a loan to buy in those zip codes. They said that they will give me a loan if I buy in certain zip codes only. We have excellent credit score, have assets more than the loan amount. The reason they don't want us to buy in those zip codes is that they said my wife have only one line of credit even she have more than 700 credit score which is excellent. For me I look it like this. Most poor people don't have more than one credit card ( line of of credit ) and they want those people to buy only in certain zip codes may be they don't want them to live in good neighborhood. 
The loan office is : XXXX XXXX. 
e-mail : XXXX Phone : XXXX His manger is XXXX XXXX e-mail : XXXX Phone XXXX. 
I talked to the manger and and he told me the same reason. Also the manger told me that even we have good income, good credit score and enough asset for down payment and so on, we are still risk borrower. We are XXXX XXXX and we emigrated to this country and we suspect that is the reason they don't want to loan to us. 
I have e-mail that I received from the loan officer for refusal to get loan in those zip codes. 
Thanks,
Consumer complaint received 2017-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are 2 Georgia State Tax Liens on my credit report for XXXX and TransUnion and they are incorrect. 1. Reported XX/XX/XXXX Georgia State Tax Lien in the amount of {$2500.00} and 2. Reported XX/XX/XXXX Georgia State Tax Lien in the amount of {$5600.00}. As displayed on the most current Georgia Delinquent Taxpayer list, my name is NOT on this list. I do not owe this money. Please have these 2 liens removed from the XXXX and TransUnion and XXXX Credit Unions.
Consumer complaint received 2021-09-13
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. (GA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2018-07-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc. (IN)

I received letters and phone calls from XXXX XXXX XXXX in regards to an ER doctor bill from a visit my son had on XX/XX/17. At the time of the visit, my max out of pocket had been met. Additionally, the hospital itself received payment within 2 weeks of our visit. The ER doctor 's office - XXXX XXXX XXXX XXXX failed to file my claim appropriately by not putting my son 's name on the claim. They put my name down as the patient and used my sons DOB and gender, thus my insurance denied it because it didn't match up. The doctor 's office forwarded me to collections. I called GLA and indicated that it was not my error but the doctor 's office and they told me it was my responsibility. I called the doctor 's office and they refiled the claim. My EOB indicates that I have {$0.00} responsibility on this claim. In the meanwhile, GLA put this on my credit report. I do not owe this, it was the doctor 's office error and this matter is on my credit report which wrong and inaccurate. Anthem, my insurance is going to call the doctor 's office, but I want this removed from my credit report. It is not right that it is on there. 
GLA Collection XXXX XXXX XXXX, XXXX, KY XXXX
Consumer complaint received 2017-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (ID)

X/XX/2017   A  m trying t o report a charge dated  XXXX  for  XXXX  from  XXXX  in California on my  Chase Southwest c redit card.     In trying to reac h Chase ( Southwest ), I ha ve gone through their phone tree twice and find no path to report an unauthorized charge on my card.     Have also looked at Chase.com and can not find a path to report a bad charge.     Noticed online, I am not the only person with a false charge from  XXXX  but my complaint is about Chase 's lack of easy route for me to report the erroneous charge. Thank you
Consumer complaint received 2020-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Hello I reviewed a current copy of my credit report and I placed disputes to have inaccurate or fraudulent information reviewed. I have not heard back with any results and it has been more than 30 days per the FCRA. I am currently now being violated.
Consumer complaint received 2020-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2019 my card was charged {$740.00} by XXXX XXXX XXXX  XXXX, which I've learned is a dinner cruise service in XXXX. I'm assuming the person that made the charge gave my contact information. I absolutely did not make this purchase. I originally tried contacting the company last year and they said they'll send the police to the IP address that made the purchase. I was looking forward to this as I was thinking it would help my resolution, however if the police came, they did not come to my address. After this I tried contacting the company a few months later and they made a ticket for my case but I never received anything from them after either to my personal email or in terms of a phone call. I originally filed a dispute with my Chase Credit card but they ruled against my favor. They asked for proof that I did not make the transaction but obviously I can not provide proof that I did not do something in terms of going on a cruise and making the transaction. This year, I have subsequently filed another dispute, where they came back asking for proof again, to which I did not have any. This again got ruled against my favor. I also tried reaching out to the XXXX  company but since COVID-19 getting in touch with them has been very difficult. This includes very long hold times and at first, not even taking custom service requests over the phone. Thank you.
Consumer complaint received 2021-04-30
Product: Mortgage — Other type of mortgage
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: WELLS FARGO & COMPANY (TX)

I received a letter on XXXX XXXX from a company named XXXX XXXX XXXX XXXX XXXX this letter states that WELLS FARGO, had purchased a home warranty policy for me and that is was time to renew. 
I did not authorize WELLS FARGO to purchase and insurance for me, when I called into WELLS FARGO to inquire I was told by their representative XXXX XXXX XXXX that WELLS FARGO did not purchase that policy and then she informed me that WELLS FARGO had just processed an appraisal on my property, when I asked her why this was done she said she did not know and would have a supervisor call me back to discuss this matter with me, but no one has called me and I did not request or authorize any appraisal be done on my property and I want to know why this was done and for what reasons and I want a copy of this report.
Consumer complaint received 2019-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (PA)

Account paid in full directly to XXXX on XX/XX/XXXX in the amount of {$730.00}. The credit agency, Convergent Outsourcing are continuing to report this account as a collection to 2 credit bureaus unlawfully although XXXX has removed the Written off notation from my account. 

Payment conf # XXXX Case ID # XXXX
Consumer complaint received 2022-11-06
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. (HI)

In Accordance With The Fair Credit Reporting Act. The List Of Accounts Furnished Is In Violation Of Privacy & Confidentiality Under 15 USC 1681 Account Name 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I Have The Write 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 16811c. ( a ) ( 5 ) Section States : no consumer Reporting agency may make any consumer report containing any consumer report containing any of the following items of Any other adverse item of information, other than than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any Information relating to consumer to any consumer Reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (AL)

Chime sent me a email stating that my account was closed but did not give me actual reason into why my account is closedI have no money!!! Chime stated that check with my remaining balance will be mailed to me within 30 days!!! Really!!! I have to wait 30 days to them to send me my money!!! On top of being on the phone with them for the past 5 hours and nobody can tell me why my account is closed
Consumer complaint received 2020-10-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LendingUSA (NY)

I took a loan with LendingUSA in XXXX, starting in XX/XX/XXXX. I was to pay {$130.00} until XX/XX/XXXX, which I did on the due data of the XXXX of each month. Apparently once payment did not go through so that I was charged Account : XXXX. 
I received emails from the company until XX/XX/XXXX. I contacte dthem to let them know that I moved and provided my new address. My phone number has not changed though, and my email address either. 
In XX/XX/XXXX, I was informed by my credit monitory system that LendingUSA has flagged me for 30 days late. I was surprised since they took {$130.00} on XX/XX/XXXX, therefore was expecting that they would continue debiting my account until the different fees were paid off. Thye had not contacted me before glagging me 30 say late. I contacted them to tell them of the mistake - both continuing to take from my account as agreed, and flagging me 30 days late. In spaite of everal phone calls and emails, they refused to change the reporting and said that they would continue to flag me late and take from my bank account. I told them to stop taking from my bank account is they were going to continue flagging me late - now 60 day late. 
My credit has dipped more than 30 points due to this and is preventing me from getting a mortgage.
Consumer complaint received 2020-10-25
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: Santander Consumer USA Holdings Inc. (NE)

Santander Consumer USA is reporting an inaccurate collection account on my credit report in the amount of {$19000.00}. This is not my account and I have disputed this account several times with the credit bureaus and the creditor. Santander Consumer USA agreed to a settlement agreement of over {$550.00} million dollars in relief to consumers as well as well as deficiency waivers.
Consumer complaint received 2021-09-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. Auto Credit Corporation (NC)

For the last 6 years I have asked this company to remove this from my credit as well as I have disputed with the agencies they are reporting as us auto credit and XXXX XXXX  on my report when called and asked about the information on the account I sac told this is from a place called XXXX XXXX XXXX that is closed and does not have any information the original contract that was signed or documents the address they have for me I never even lived they have nothing they can provide me to help me investigate or for them to be reporting on my credit as a charge off as well as still reporting Late payments with the account being this old they are rude and will not assist me also they are reporting twice separately on my credit once as auto credit and once as us auto cr then I sent a complaint XXXX to the incorrect information asking for original contract with my signature etc also for them to remove the fact it shows up as two different accounts us auto credit and XXXX XXXX XXXX XXXX and still do neither
Consumer complaint received 2021-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (FL)

I had a debt reported on my credit file that isn't my debt. I spoke with Mr XXXX XXXX at Vance & Huffman in regards to debt, Mr XXXX stated that he would have this removed from my credit and that he submitted a removal on XXXX XXXX but it's still showing a negative impact on my credit. This incorrect reporting has caused my credit score too drop over 40 points.
Consumer complaint received 2020-04-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CO)

Again Since XX/XX/XXXX of XXXX my son and I have been trying to take over the loan as we can by Federal Law. XXXX has a copy of the loan and joint tenancy and still wants to play games. They have also violated the XXXX law a copy is attached of what this organization put into law. All they say is probate and according to state Colorado law the way the property is titled they are XXXX  that do not have a clue. They refuse to work with us the law that this agency put into place and they have no understanding about the basic concept of law except how to break it,
Consumer complaint received 2015-03-31
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Northland Group Inc (CA)

The Creditor is XXXX.. This is regarding an XXXX XXXX Account.They turned the account over to a Collection Agency and still continued to charge me interest and late fees. Is this legal? The collection agency stated that XXXX sends them adjustments every month. XXXX will not speak to me. They say they do n't have the debt ... to contact the collection agency..but..they continue to apply interest and late fees.
Consumer complaint received 2020-10-25
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: Experian Information Solutions Inc. (NE)

XXXX  : Credit Alert New Inquiry Reported By XXXX XXXX Reported On XX/XX/2020 I have never been to or contacted XXXX XXXX.
Consumer complaint received 2018-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (TX)

I have contacted SW CREDIT regarding account ASSOCIATED WITH XXXX on 3 different occasions thru certified mail asking to verify that I owe their company any funds and for what. Ive also ask for anything bearing my signature that verifies I have obligations to pay them or have had any business dealings with them. Yet they have faile to validate according to law. This collection company is damaging my credit file and cant provide legal proof. I have also informed them that I am a victim of identity theft and this account is a result of identity theft. There is no contract and furthermore I have not had any dealings with SwCredit nor the company XXXX it represents.