davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-18
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. (GA)

There are several incorrect items that are reporting on my credit file : Incorrect Address information : XXXX XXXX XXXX - ( Equifax ) XXXX XXXX ( Equifax and XXXX ) XXXX XXXX XXXX ( XXXX ) The following items are reporting in error or as a result of identity theft : XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX Bal. {$620.00} ( Equifax, XXXX, and XXXX ) XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX Bal. {$290.00} ( Equifax and XXXX  ) XXXX XXXX  XXXX XXXX Opened XX/XX/XXXX Bal. XXXX ( XXXX )
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-01
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. (FL)

I have attached a screen shot of a XXXX account reporting inaccuracies to all three of my credit bureaus and almost everything single line is reporting something different to all three bureaus. If anything is being reported to my credit bureaus it should be reporting 100 % accurate per the FCRA. This needs to be deleted ASAP
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (TN)

Nature of complaint : We have LATE PAYMENTS from Community Loan Servicing showing up on our credit reports from XX/XX/XXXX to XX/XX/XXXX that should NOT be on there. We spoke to community loan servicing 6 months ago after disputing the late payments reported on both mine and my husband 's accounts. We received a letter in the mail ( after disputing with credit bureaus ) that they ( Community Loan Servicing- formerly Bayview Loan Servicing ) would be " removing all negative information '' ( letter is attached ). They agreed negative information would be deleted, however, the credit agencies refuse to update it. This is a HUGE deal for us as we are in the middle of a very important mortgage for our family and we are at risk of not qualifying because of this inaccurate info. PLEASE HELP!!!!!
Consumer complaint received 2022-07-22
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. (VA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX VA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1200.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$1500.00} XXXX  XXXX Balance XXXX {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$140.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$100.00} Medical XXXX Balance XXXX {$200.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-08-01
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. (AZ)

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

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

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

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

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

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

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

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX I Account # XXXX has violated my rights In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 604 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also stats a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (MA)

On XX/XX/2022 I authorized a charge for {$1000.00} over the phone for a reservation deposit/partial payment on my cousin 's XXXX  bill ( XXXX for her XXXX  dog ). I specifically stated that I was only authorizing {$1000.00} and that any balance would remain my cousins responsibility and was between her and the merchant. The merchant agreed and confirmed this over the phone. The {$1000.00} was billed to my card. 

However, later that day there was a dispute between my cousin and the practice. My cousin felt the XXXX  was negligent and caused her whole litter of puppies  to XXXX  at birth. Accordingly she refused to pay the balance and informed the merchant to sue her and she would counterclaim negligence. 

The merchant instead charged the outstanding balance to my card ( it appears they saved my card number without authorization ). 

I did not authorize the merchant to charge any amount in excess of the initial {$1000.00}. I did not authorize the merchant to make additional charges to my account. I did not authorize the merchant to store my card as a " back up '' payment method. 

Chase advised me that I am responsible for the additional {$2500.00} charge since I did business with the merchant by authorizing the initial {$1000.00} deposit and the matter is between me and my cousin. This is incorrect. I am only responsible for the {$1000.00} that I authorized to the merchant. The outstanding balance is between her and the merchant because I did authorize such charge. 

Just because I authorized one transaction with a merchant ( aka did business with such merchant ) does not give the merchant the right to continue to charge my card as they please and without further authorization.
Consumer complaint received 2018-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (KY)

Chase closed two of my credit cards on XX/XX/2018. I made a payment on each of my credit cards, one payment for one of the credit cards for {$1000.00} and a payment on the other credit card for {$1100.00}. Both of the credit card payments ( {$1000.00} and {$1100.00} ) were made on XX/XX/2018, which would've brought my account current. Chase is engaging in deceptive business practices by closing the accounts the day after I made payments to bring the accounts current. I called customer service on XX/XX/2018, and the agents told me that it was " schedule '' the closing of the accounts but had not been done. I asked them if the accounts were " scheduled '' to be closed why weren't they closed beforeI made the accounts current. In addition, if I made the payments on the accounts on XX/XX/2018, then that should've brought the accounts current and the accounts shouldn't have been closed on XX/XX/2018. I told the customer service agent that I had lost my job and wasn't able to make payments for a short period of time, but that I was trying to get to being back current on my accounts by making payments to bring the account to current again. Chase is engaging in deceptive business practices by closing my accounts the day after I made substantial payments to bring them back to current.
Consumer complaint received 2022-10-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (LA)

I submitted a claim before about Midland Credit Management, and the laws that were broken against me. However, in response Midland explained themselves on their behalf, and now after 30 days have passed I reviewed my credit report again and I'm seeing all the incorrect information that is reporting on my credit report. Midland still have not responded to my request of sending me validation of the account in the specific things that I've asked them to send to me as a result of validating the account. This is a on-going battle between Midland and myself, and I am getting nowhere with Midland, meanwhile they are reporting false information upon my account all while not ever validating the account to me. It's past the 30 day allowance for me to have received the information I've previously requested of them to send to me, and it was actually sent using the CFPB portal. Midland need to remove this account off of my credit report immediately!
Consumer complaint received 2022-07-25
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Rausch Sturm LLP (FL)

Back in 2013, I had an XXXX XXXXl stay in XXXX XXXX ( I was a XXXX XXXX at the time ) for shortness of XXXX and XXXX. The XXXX  diagnosed my condition as XXXX. My health insurance denied the claim as a pre-existing condition. My provider was XXXX XXXX denied the claim of XXXX. I started getting notices from a debt collector " XXXX XXXX '' that I owed the total hosptial bill. The debt collector has now frozen our check, savings, lock box, XXXX XXXX XXXX accounts to satisfy XXXX. I received XXXX as my only income. My husband is the sole provider of our household. What are my rights? The monies that were frozen were my husbands paychecks. He wasn't even in the picture when this all occurred. But yet he is the one paying the price for this event. By law they can not take my XXXX.
Consumer complaint received 2022-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance details 0 % of this account is paid off Balance on XX/XX/2022 {$210.00} Original balance {$210.00} Account info Account number XXXX Date opened XX/XX/2022 Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/2022 Payment summary XXXX  XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX-
Consumer complaint received 2022-08-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC (PA)

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report.

The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

FURTHERMORE, the above consumer DEMANDS the following below : Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-08-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that IC SYSTEMS would verify the debt. So I took it upon myself to ask IC SYSTEMS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2022-07-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2018-10-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Thrivest (NJ)

i obtained legal funding in XX/XX/XXXXof this year initially  personal of {$2000.00} and the purchase of prior funding from XXXX  XXXX XXXX funding company in the amount of $ {$11000.00} for a total of {$13000.00} in personal and medical funding. purchased by Thrivest legal funding. this was XX/XX/2018 in addition to this amount they funded a XXXX in the amount of {$68000.00} the XXXX wa never done and the money was returned in full to the company. so the amount of the payoff at legal interest rates and origination fees should be no more than {$19000.00} at an interest rate of 25 % for 10 months and an origination fee of {$1000.00} dollars for purchasing the previous funding and additional personal funding. I signed the contract in New York and I completed this transaction in New York State at my attorneys office XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The company is now stating that my payoff amunt is {$40000.00} fdollars and refusing to provide breakdown detail and is trying to include the funds that were returned. All verified by XXXX XXXX Ny XXXX XXXX VP of finance XXXX XXXX and the Doctors office of XXXX XXXX. They are holding me up from getting my funding elswhere and telling me if I have such an emergency just let them buy out the amount it is not legal that is like a loan shark and predatory. XXXX XXXX XXXX was prosecuted in New York under federal court for the same activity.
Consumer complaint received 2022-12-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (KY)

In 2010, my husband lost his job, as did so many others... we could NOT pay our mortgage. We tried to do the loan modification, but the mortgage company, Wells Fargo sold our mortgage to another company, DURING the modification process, which completely put our home modification is disarray. The 2nd mortgage company basically just evicted us and resold our house. Because of that we have never been able to purchase another home. They have ruined us financially. Our neighbor 's refused to leave and sued. I wish we would of followed suit but because we had young children we did not want someone to come and physically evict us.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open and consumer credit plan as late for any reason
Consumer complaint received 2020-06-18
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (NC)

On XXXX of current 2020 I made Big Payments to my Car Loan on multiple transactions that added up would equal {$11000.00}. The reason being to bring my car loan down to up to 10 Months payments in order to work with my bank towards the process to purchasing a house. Those payments were received and posted on my Car Loan at Hyundai Motor Finance USA. I called several times about discrepancy on what I actually owe ( principal balance {$3300.00} ) versus my payoff balance that is reflected on Hyundai Motor Finance ( {$12000.00} ). I haven't received an email or call from Hyundai about this matter, but I have being calling and speaking with customer service about this to clear it up. This has been going on since XXXX until today XX/XX/2020, my problem has not yet been fixed. I had spoken to a supervisor in customer service, and they acknowledged that the company back in XXXX had a mayor software upgrade that might have affected my payments being in the cloud. They told me they would get it fixed within 3 to 5 business days, and today after 2 weeks I am still in the same spot, nobody has an answer for me.
Consumer complaint received 2018-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (OH)

I purchased two items using my TJ Maxx MasterCard issued by Synchrony Bank totaling {$31.00}. I received a statement for the transaction and a minimum payment of {$25.00}. The items were both damaged in transit. After following up a few times looking for the refund credit, I filed a dispute for the transaction amount ( {$31.00} ). After a few days, I received a credit for the merchandise less the shipping and handling fees ; less than the transaction amount. I made another phone call to request the remaining balance ( shipping & handling fees and tax ) and to question why I was still required to make a minimum payment for merchandise that I did not have/receive. I was told that I would receive a customer satisfaction credit for the remaining balance but I had to make a minimum payment since the credit for the disputed transaction and the customer satisfaction credit posted in a different billing cycle. I requested to speak to a supervisor regarding this issue. I spoke to a customer service manager XXXX from Ohio ( operator number XXXX ) to explain my perspective, which I think is predatory and not consumer friendly and he echoed the same message. I know that I should at least have 23 days to receive a billing statement for new transactions before a payment is required. Synchrony Bank seems to be violating this law based on this disputed practice. I have excellent credit, so I am left paying for transactions that I have not been billed for so my credit is unharmed despite having no merchandise. Seems like a XXXX thing to do to customers. It is already poor enough to work with an ordering department and a billing department for this issue, which seems like common customer courtesy.
Consumer complaint received 2022-08-01
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. (CA)

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 and XXXX XXXX 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 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 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

In accordance with the Fair Credit Reporting act XXXX 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