davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Data Systems (GA)

I monitor my credit report through XXXX, XXXX, and XXXX. I received an alert from all 3 credit reporting bureaus that there was a collection account added to my report. The company 's name is Financial Data Systems showing an account # of XXXX stating that the debt came from XXXX XXXX XXXX. I have never heard of the company Financial Data Systems. I am unaware of this company, the amount, the debt and it's origin therefore, this debt is not validated by me. 

Under the Fair Debt Collection Practices Act ( FDCPA ), the alleged debt has to be validated. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my PRIVACY and medical records from third parties. I do no recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. My complaint is two-fold : Validation of debt and HIPAA authorization. 

I demand that Financial Data Systems provide a copy of my signature with the provider of service to release information to them. I demand that Financial Data Systems DELETE credit reporting from XXXX, XXXX, and XXXX  until this debt is validated by me. 

Any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. Please delete this collection account from XXXX, XXXX, and XXXX.
Consumer complaint received 2019-01-09
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ASG Solutions LLC (OH)

They called my phone number repeatedly. I did not identify myself as the debtor and they threaten me by saying Im going to be in hot water if I dont deliver a message. And that they will file charges against me being a third-party. I called them back to try and figure out who they are since I am a debt collector by trade. They refused to give me the address when I asked and refused to identify themselves three times I finally called back a fourth time was able to obtain the address. And they call from a fictitious number - that is very similar to mine where I live however they are located in XXXX XXXX New York. They call the company name ASG, XXXX
Consumer complaint received 2018-08-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH (LA)

I filed a complaint bbagainst IBERIABANK for using a false debt to income ratio to deny my application for a home equity line of credit.The response letter is further evidence of what I experienced. This bank will not explain what their criteria is concerning debt to income ratio, and how it is calculated.They have now changed the reason for the loan denial to lack of verifiable income.This is also false. My XXXX per month income was verified by a signed IRS form XXXX ( request for transcript of tax return ) signed by my wife and myself. And the monthly debt payments of less than XXXX was verified by the credit report.There are no inconsistenciesregarding the hand written tax return. Banks use form XXXX to verify that all information on tax returns are accurate. Finally a bank can not consider income on forms XXXX as unusual, And refuse to count it as actual income. All of these falsehoods ; and changing the original reason for denial ; to lack of verifiable income, is more evidence of my original thoughts. I believe the real reason for denial was age discrimination.
Consumer complaint received 2022-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MI)

I received a personal loan from XXXX XXXX of XXXX $ on XX/XX/XXXX. I deposited it at my local chase bank on XX/XX/XXXX or XXXX I can not remember exactly. It was placed on hold as most checks are. Initially the hold was for XXXX. When the hold was supposed to be up, I found my bank account had been closed. On XX/XX/XXXX I saw this and reached out to Chase and was eventually directed to Loss Prevention. After almost of month of talking with both Chase loss prevention and XXXX XXXX we have been unable to reach a solution. Chase says they need Makers verification and can only contact numbers that exist in their internal catalog ( apparently they dont have one for XXXX XXXX XXXX and there other solution was to have a physical employee of XXXX XXXX come to a branch with me ( which is also not possible according to XXXX XXXX as they are mostly online and do not have bankers available to do that ). Lastly Chase has said that XXXX XXXX should be able to Recant the funds but they seem to be having a hard time doing that as well. Regardless {$30000.00} of what should be my money is collecting interest with XXXX XXXX and is not accessible by me at all and it is putting me in a dire financial situation.
Consumer complaint received 2018-08-29
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: CONTRACT CALLERS INC (UT)

I am working on repairing my credit, so I have been using XXXX XXXX. One of the derogatory marks, has an origination date of XX/XX/XXXX, through a collection company, called Contract Callers Inc. The original debt, being from XXXX. Any account I had with XXXX, would have been from XXXX. I called the company in question, to inform them of the mistake, but they refuse to change the date. My problem is, if they are allowed to continually change the origination date, this debt will never go off my credit. The debt is for {$1400.00}.
Consumer complaint received 2022-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I encountered an incredibly deceptive marketing practice from Bank of America, which sells the XXXX  XXXX XXXX card. As I checked out from purchasing XXXX XXXX  XXXX tickets, an ad promised " Limited Time Online Offer : Buy One Ticket, Get One for just the taxes and fees + XXXX Bonus Miles. '' It also promised that if I applied right now and was " instantly approved and activated, '' I could use the new card to purchase my current ticket. I was instantly approved, but when I checked the box saying I wanted to use the card right away, I got this message : " There was an unexpected error loading the disclosures so we can't instantly activate your credit card for this purchase. ''
Consumer complaint received 2022-06-28
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. (FL)

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. I am writing to dispute the following information that appears on my consumer report. 
Dispute : XXXX XXXX # XXXX Acc.XXXX Experian Acc # XXXX XXXX. XXXX Credit Bureau : XXXX Date of Inquiry : XX/XX/2021 XXXX XXXX Credit Bureau : XXXX Date of Inquiry : XX/XX/2021 XXXX XXXX Credit Bureau : XXXX Date of Inquiry : XX/XX/2021 XXXX XXXX
Consumer complaint received 2020-06-12
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. (MN)

My XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # : XXXX is lost/stolen and the {$6900.00} is all fraudulent and unauthorized charges/transactions. The charges are not my charges. The charges are all fraudulent charges.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2020-06-12
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: JPMORGAN CHASE & CO. (GA)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent accounts present in Exhibit C are in fact compliant and not subterfuge? All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable accounts on my report.
Consumer complaint received 2020-06-12
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)

XXXX  XXXX/XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX  XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX/XXXX  Card XX/XX/XXXX, XXXX  XXXX   XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX   XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX reported to Equifax that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report.
Consumer complaint received 2020-06-13
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. (NY)

To Whom it may concern, On XX/XX/2020 I got a message from XXXX XXXX about my report being updated. However when i went to look at my score points dropped due to inaccurate information. They are saying I asked them to run my credit? I am unfamiliar with this company and never authorized them to do so. This is reporting on my XXXX, equiafax and XXXX. All I know is I have no idea who these people are and didn't do anything with my credit today which is XX/XX/2020. Nothing was authorized by me.
Consumer complaint received 2022-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business freelancing since XX/XX/2021. My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless. 


For Identity verification, I attached my Valid ID. Please see attachment.
Consumer complaint received 2022-08-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Business & Professional Collection Service Inc (NV)

XXXX XXXX {$120.00}. XXXX XXXX XXXX XXXX. 

I have no idea why am I getting this letter. I don't owe any money from this company, and I don't know anything about this company. Can you please advise and solve this, asap? Thank you.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-10-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Data Systems (NC)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have reached out to a furnisher that goes by Financial Data Systems to dispute incorrect information on my credit report. As a result, several accounts were deleted but they refused to delete the last 3 accounts. I've asked for documents to show where and when this happened, any applications with my signature and invoice totals. The invoice totals does not match the delinquency on my XXXX credit report, nor is it reporting on the other two bureaus ( XXXX and XXXX ). As a result, this fraudulent charge is hindering my credit from things such as mortgages or getting qualified for credit cards. I have also explained to this furnisher that it is a violation to share any type of medical information without my consent, unless it is to a different medical facility that requires further treatment.
Consumer complaint received 2022-08-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (NM)

I received two notices from Truist Client Center XXXX XXXX XXXX XXXX, NC XXXX dated XX/XX/2022, confirming acceptance of overdraft coverage on account ending in XXXX. 
At this time, I thought it was a scam. 
I received a notice from Truist Client Center XXXX XXXX XXXX XXXX, NC XXXX dated XX/XX/2022, dated XX/XX/2022, a notice of exception holds on deposit amount of {$4600.00} account ending in XXXX. 
Once again, I thought it was a scam. 
I received a notice from Truist Client Center XXXX XXXX XXXX XXXX, NC XXXX dated XX/XX/2022, regarding checking account ending in XXXX being overdrawn for at least 10 days with a balance of - {$47.00}. 
I still thought it was some sort of a scam. 
I received a letter from Truist Operations Center XXXX XXXX XXXX XXXX NC XXXX dated XX/XX/2022, which I got in the mail XX/XX/2022, regarding notice of closure of account. The letter stated if I had any questions to contact fraud management. I called that Monday XX/XX/2022 at about XXXX XXXX, I spoke with a woman name XXXX, and she asked me for my Social Security number, and she confirmed someone used my Social Security and Drivers License to open a checking account under my name. She said they did not have my email or the correct phone number. The bank told me they would investigate the matter and get back to me. 
I received a letter dated XX/XX/2022, which I got in the mail XX/XX/2022, regarding returned Deposited/Cashed Item Fees. 
Since this incident, I put a freeze on my credit accounts. Got XXXX to monitor my accounts, called Social Security to let them know about my situation, and to make sure someone wasnt using my Social Security number for employment. I was told it looked fine. They also advised me to get a hold of the FTC, to let them know what happened.
Consumer complaint received 2018-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CA)

I Called customer service last XX/XX/XXXX about the non availability of chase bank in Maryland. SInce I needed my money, I asked for an increased in withdrawal. I was approved to make a {$1000.00} instead of the usual {$500.00} dollars only. I was told to call back so they can reverse the fee. It was not reversed. 
ON that day also, I issued a check to my sister since depositing at her account would allow me to get my money from her. However, I was charged for a {$34.00} fee for insufficient funds after depositing {$1000.00}. I was told it was late already and the cut off was over. I would like to request that I be that fee be reversed. 
ON XX/XX/XXXX I was charged another {$34.00} for a {$9.00} charged. This is outrageous. IF they never charged me {$34.00} and {$2.00} ATM fees, these should have not happened in the first place. 
I want to file this complaint for outrageous fees that the bank continuously charged for hard working citizen who lives paycheck to paycheck where a dollar counts.
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: Experian Information Solutions Inc. (AL)

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 USC1681. 
XXXX  Account XXXX # XXXX XXXX  Account XXXX XXXX  XXXX  Account # XXXX, XXXX  Account XXXX  Account # XXXX, Non authorized inquiries : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS, XXXX XXXX XXXX XXXX XXXX XXXX KY, XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has VIOLATED my RIGHTS. 
15 U.S.C 1681 SECTION 602A, States I have right to privacy.

15 U.S.C. 1681 SECTION 604A SECTION 2 : It also states a consumer reporting agency can not furnish an 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 items 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 2020-06-12
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (VA)

I have been using this account for a few years and always made my payments on time but until my wife had health issues I would contact the company and paid immediately after due date to include paid late fees. This account never went past 30 days. The letter identified my open accounts and based on my credit score. My concern is until all credit reporting disputes are investigated and completed from all three credit bureaus an account with a good customer should not be closed.
Consumer complaint received 2018-08-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DCN Holdings Inc. (NY)

On Tuesday, XX/XX/2018 I received by postal mail a " final notification '' in an " attempt to clear a balance '' from " XXXX XXXX, '' XXXX, Florida on behalf of " XXXX XXXX XXXX XXXX '' suggesting that I pay them {>= $1,000,000}!!! This is clearly an attempt to initiate contact with the intent to defraud.
Consumer complaint received 2018-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (CT)

The account in question has been closed since XX/XX/XXXX. However, starting in XX/XX/XXXX, my credit report was changed to show that I had late payments for XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. This is not true, every single payment was made on time and deducted directly from my checking account on the XXXX of every month. I disputed this with the credit bureaus and they did fix it to show all payments made on time and no XXXX days late payments were ever made. This event reduced my credit from XXXX to low XXXX 's for a few months while it was resolved. 
In XXXX of XXXX, again my credit report was changed to show now that I was XXXX days late on payments for XX/XX/XXXX and XX/XX/XXXX. Again I have disputed this with XXXX, and they are investigating it. XXXX does not show this at this time. I am not sure what XXXX shows as I have no free access to their credit report at this time. 
I have called XXXX XXXX XXXX twice now, and they keep saying they are not the ones making these reports. XXXX XXXX XXXX also states that my payment history is perfect and I have never been late on any of my payments. Yet my credit report is still wrong.