davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

I was contacted by letter by Fidelity Creditor Service. They had purchased a purported debt from XXXX XXXX XXXX ( {$59.00}, XXXX XX/XX/XXXX ), which I had disputed with XXXX ( which charged an improper copay for a XXXX XXXX, which is 100 % covered by insurance under the Affordable Care Act ), receiving no response from XXXX. The letter from XXXX gave me a deadline of XXXX XXXX, XXXX, to dispute the debt. I disputed the debt in writing on XXXX XXXX, XXXX. Nonetheless, XXXX reported the disputed debt to the credit reporting agencies on XXXX XXXX, XXXX, negatively affecting my XXXX XXXX. 

Reference # : XXXX acct # : XXXX
Consumer complaint received 2020-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (DE)

I have had a mortgage with Quicken for 4-5 years and have never missed a payment. I scheduled a payment for XXXX for my minimum amount and added almost {$30.00} to be applied to principle. This transaction went through on XXXX as intended. On XX/XX/XXXX, I checked my XXXX Bank account and noticed Quicken made another deduction for just my minimum amount. So in total, Quicken withdrew {$1500.00} on XXXX and {$1500.00} on XX/XX/XXXX. 
This second deduction caused my XXXX account to be overdrawn, which has never occurred. I notified Quicken of this situation on Monday XX/XX/XXXX and they said they would note the account and forward it to somebody to research. 

I get a call on XX/XX/XXXX at XXXX est from XXXX XXXX to review what i just explained. She tells me that two payments were scheduled and that i needed to contact my bank XXXX XXXX XXXX to stop payment and i am going to get a fee from Quicken for the returned payment. I expressed how ridiculous this was for many reason. 

Couple major issues i have with how this situation was treated : 1. We are in the middle of a pandemic and XXXX showed no empathy or willingness to help a customer ; she seemed to repeat the same lines without adding any personal touch to the call ( the call was recorded by Quicken between XXXX and XXXX est. ) 2. Quicken/XXXX   was notified of this error on XX/XX/XXXX by me and did not inform me until after banks are closed on the east coast on XX/XX/XXXX that i would need to do a stop payment on the " resubmitted '' payment that i already told them wasn't valid. This seems to be a very convenient way to generate fees or a very ineffective way to communicate internally. 
3. History shows my payment history ; its always minimum plus a little more towards principle. Anybody outside of the financial industry could evaluate this transaction and easily determine i didn't make/authorize two payments on two consecutive days. 
4. Inability for agent XXXX XXXX XXXX to make a decision that makes sense ; seemed very scripted and robotic, which is, in my opinion, a bi product of a company that is driven by internal policies that do not allow common sense to be used at the expense of losing a {$20.00} fee. 
5. I requested to escalate this call and was not provided XXXX XXXX superiors information. She said her boss was XXXX but would not give any contact information. 

All I wanted from the original call was to inquire about why two payments went through and to see if Quicken would cover 2 overdraft fees from XXXX. After speaking to XXXX, its clear what drives Quicken and it has nothing to do with Customer Service.
Consumer complaint received 2022-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NY)

I tried make payments in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
The money was withdrawn from my account by the bank, and still they marked my report 30 days late. I was NOT late.
Consumer complaint received 2022-10-23
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. (NV)

inquires are not mine and they wont remove them Collections Inquiries Public Records Personal Info Overview Your Overview XXXX XXXX Based on XXXX XXXX XXXX Open Accounts XXXX Total Late Payments XXXX Accounts in Collections XXXX Inquiries ( last 2 years ) XXXX Age of Credit 4 Years 3 Months XXXX XXXXXXXX XXXX XXXX ( Stay below ) XXXX XXXX Total Debt {$11000.00} Credit Card {$8600.00} Installment {$2700.00} Credit Card Installment Tap category for details Having a low debt balance relative to your available credit signals to lenders you're more likely to make on-time payments. 

Accounts XXXX Reminder : If you've made a recent payment to XXXX of your accounts, it can sometimes take up to XXXX weeks for it to reflect in your report. 

XXXX XXXX {$1700.00} XXXX XXXX XXXXXXXX Late Last Updated : XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XXXX Current Last Updated : XX/XX/XXXX {$5200.00} XXXX XXXX XXXX Current Last Updated : XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX Last Updated : XX/XX/XXXX {$1600.00} XXXX XXXX XXXXXXXX Account Closed Last Updated : XX/XX/XXXX {$0.00} XXXX XXXX XXXX Account Closed XXXX Updated : XX/XX/XXXX Installment {$1700.00} XXXX  XXXX Current Last Updated : XX/XX/XXXX {$1000.00} XXXX XXXX Current Last Updated : XX/XX/XXXX Collections There are no collections to report. 

Inquiries XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-06-08
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: DISCOVER BANK (RI)

On XX/XX/XXXX I received a credit score drop of 17 points because XXXX  is reporting that my student loans balance increased from discover student loans, I immediately called and inquired as to why this happened because I am still a full time student and the loans should be in deferment until I graduate. I was told the issue would be looked into within a 2 week time frame. On XX/XX/XXXX I received an other credit score drop of 30 points for the same reason, I called again to discover student loans and was told my inquiry was not resolved and they would submit an other ticket. Once again they said it would take an other two weeks.
Consumer complaint received 2018-10-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

CHASE BANK HAS ENGAGED IN A PATTERN OF CONDUCT THAT IS HARMFUL TO ITS CUSTOMERS AND AMERICAN CONSUMERS. CHASE IS ENGAGED IN AN ILLEGAL SYSTEMATIC SCHEME IN PREMATURELY CLOSING CERTAIN CONSUMER ACCOUNTS. I AM A VICTIM AS WELL AS A WITNESS OF CHASE BANK BEHAVIOR. 

CHASE HAS AUTOMATICALLY CLOSED ACCOUNTS ( DUE TO FRAUDULENT ACTIVITY OR UNAUTHORIZED ACTIVITY ) WITHOUT THE INVESTIGATION AS REQUIRED BY LAW. THEY THEN REPORT THIS NEGATIVE INFORMATION TO A CRA XXXX XXXX XXXX XXXX WHICH THEY OWN IN PART. 

CHASE DID NOT NOTIFY CONSUMERS OF THE CLOSURE AND DO NOT PROVIDE ANSWERS TO CONSUMERS QUESTION AND ONLY PROVIDE THE PERFUNCTORY STATEMENT THAT IT WAS AN INTERNAL AND/OR A BUSINESS DECISION, THEY ALSO DO NOT PERFORM THE INVESTIGATION THUS SAVING MONEY AND VIOLATING CONSUMER PROTECTION LAW. 

CHASE HAS FAILED TO PROPERLY REVIEW OR PROCESS FRAUDULENT ACTIVITY OR FRAUDULENT CLAIMS BEFORE THEY CLOSE THE ACCOUNT. 

CHASE HAS FABRICATED INFORMATION SUCH AS FILING FRAUDULENT SARS REPORTS SO THE PRETEXT WOULD APPEAR MORE PLAUSIBLE. 

CHASE BANK IS ALSO VIOLATING THE SECURITIES EXCHANGE COMMISSIONS GUIDELINES AND CHASE BANK CHARTER. 

CHASE BANK HAS ENGAGED IN SELF ENRICHMENT. CHASE BANK HAS VIOLATED CALIFORNIA BANKING LAW. CHASE BANK HAS VIOLATED CONSUMER PROTECTION LAWS AND IS ENGAGED IN CAUSING HARM TO CONSUMERS. 

THIS BEHAVIOR IS RECENT AND ALSO DEMONSTRATED BY XXXX XXXX XXXX. CFPB AND OTHER REGULATORY AGENCIES ARE INVESTIGATING THE XXXX BEHAVIOR. I ENCOURAGE CFPB TO DO THE SAME WITH CHASE. I HAVE ATTACHED THE RECENT PRESS RELEASE FROM CFPB REGARDING THE XXXX INVESTIGATION. 

IF ONE BANK IS DOING THIS TO CONSUMERS THEN ALL BANKS ARE ENGAGED IN THIS BEHAVIOR OF HARM TOWARDS CONSUMERS.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I own DEBIT COLLECTION NAME, XXXX XXXX XXXX ACCOUNT # XXXX Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information You have 30 days to respond this letter with all this proof I requested or delete this collection from my report
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (HI)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached XXXX Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX  days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2022-10-24
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. (PA)

XXXX XXXX, XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX  these are the hard inquires that I have no knowledge of
Consumer complaint received 2022-08-23
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2018-05-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NV)

I am repaying a student loan through Navient. I am an XXXX member awards recipient. On XX/XX/XXXX I submitted a request to XXXX  to process a {$480.00} dollar payment to Navient. The payment request was accepted by Navient on XX/XX/XXXX at XXXX XXXX However the payment of {$480.00} has not posted as of XX/XX/XXXX. I believe that Navient is stalling the posting of this payment in order to allow the interest to accumulated unnecessarily. I want Navient to post this payment as of XX/XX/XXXX the day that it was accepted in order for a larger portion of the payment to be credited to the principal rather than the interest that is accumulating unnecessarily at this point. I have many times called Navient however since the call center is over seas, I have a very difficult time understanding the various customer representatives and am not given the in depth care that I require as a customer and am usually left with unsatisfactory outcomes.
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

TRANSUNION is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given TRANSUNION permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By putting inaccurate information on my consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, TRANSUNION are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX. XXXX ) I have not initiated any transaction with XXXX XXXX. 

Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX  for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Consumer complaint received 2022-05-05
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: EQUIFAX, INC. (TX)

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 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 1957 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-01
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. (DE)

My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Account Name : XXXX XXXX XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$140.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$99.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$660.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX  Account was opened : XX/XX/XXXX Account Balance : XXXX
Consumer complaint received 2020-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

URGENT. APPLYING FOR HOME LOAN. CREDIT SCORE IMPACTED BY INACTION. 

XXXX XXXX XXXX XXXX - signed to get approved in order to obtain a XXXX Membership. 
Never activated the XXXX XXXX XXXX XXXX - XXXX charged the membership on the credit card without my knowledge. Therefore, since the card was not activated, I never received : A ) Statements, B ) Emails, C ) Notification of charges. Late fees were charged since XXXX of 2016 without my knowledge. 

I was alerted LAST MONTH in XXXX of these charges when my credit score was pulled to apply for a home loan. I spoke to a representative through Online XXXX XXXX Chat since I am hearing impaired. The representative I spoke to canceled : A ) The Bill, B ) The Late Payments, and C ) Closed the account. This should be as if the 'lateness of a bill ' never existed. I have attached the conversation between myself and the representative. 

Now, over a month later in XXXX, I found out my credit score has dropped even further due to XXXX XXXX XXXX inadequate reporting. It reads 'late ', 'delinquency ', and 'inquiries impacted report '. Questions impacted my credit score? I'm not allowed to ask a question without risking my score dropping? I was assured on XX/XX/XXXX that the issue from XXXX XXXX XXXX would be reported to the credit companies [ XXXX TransUnion, and XXXX XXXX. Obviously, that has not been done correctly. 

I am applying for a home loan and I have to be moved in by the end of XXXX due to my new job. Can you please help me resolve this?
Consumer complaint received 2022-05-05
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: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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