davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-22
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: Experian Information Solutions Inc. (AL)

From the dates of XX/XX/2020 through the present date of XX/XX/2020, the credit companies of Experian and XXXX  have incorrectly reported the balance of my XXXX XXXX XXXX as {$620.00}. The correct balance for this time period is {$0.00}. I have filed numerous disputes From XXXX through XXXX to correct this situation, but the results have not initiated a change in the incorrect balance. This has resulted in damage to my credit score from XXXX of this year. Now there systems are refusing to allow me to further dispute this incorrect balance and I'm receiving no cooperation from there live agents. They are consistently giving me scripted answers that are only frustrating me and lowering my credit score. Because of this incorrect reporting, my application for a personal loan with XXXX XXXX was denied on XX/XX/2020. My XXXX XXXX XXXX is listed as XXXX on my credit file.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PNC Bank N.A. (NJ)

This creditor engaged in XXXX XXXX and XXXX practices of the XXXX which it prohibits. According to 15 USC 1666b it is a XXXX error I did not receive a statement XXXX days before the late XXXX error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2017-01-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ARC Management Group, LLC (OH)

I went to XXXX XXXX XXXX in XXXX, Ohio. No tests were performed. I merely met with a doctor and was given a wrap for my leg. I was insured with XXXX XXXX XXXX and this was an in network provider. My insurance paid over {$600.00} to the Hospital. 

I have repeatedly tried to get an itemized bill from the hospital to no avail. Additionally, the hospital turned an excessive amount due over to a collection agency ( Arc Management ), even though I was only responsible for my co-pay.
Consumer complaint received 2024-01-18
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/2023, Navy Federal Credit Union Charge-off Department stole {$5100.00} from my savings account. These protected funds were transferred into my savings account from my mortgage escrow account due to a tax overpayment. After the deposit was made, the mortgage department was in the process of transferring those funds back to my mortgage account but the charge-off department stole every XXXX of it before the transfer could be complete. I was told multiple times by the mortgage department that escrow funds are protected funds and that I could rest assured. Within a matter of minutes, all of the funds were stolen. These funds were also legally jointly owned by my spouse so they committed theft, fraud, and embezzlement with her as well.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number XXXX XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

company closed my account even though i have always been in good standing and never missed a payment. my score dropped because of fraudulent activity and diisputes with other institutuions and this bank decided to close my account. This is my second account because i had to reapply. this bank has a habit of closing my accounts regularly. I really need this account for my healthcare
Consumer complaint received 2024-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LD Holdings Group, LLC (IL)

I have a loan being serviced by loan depot. During the process to get a Heloc from loan depot they changed my escrow payment requirement by more then XXXX  month. This impacts my ability to get a loan from any lender as well as loan depot. With this I will end up with a XXXX  XXXX dollar overage by the end of the year. I feel these two activities were tied to together and their actions were predatory in nature. I want my payments adjusted to the correct amount. And the kind to be adjusted accordingly.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ssn : XXXX Subject : Revocation of Consent for Information Sharing and Privacy Violation Concern To Whom It May Concern, I am writing to file a formal complaint concerning the handling and unauthorized sharing of my personal and financial information by XXXX XXXX XXXX XXXX and Experian particularly related to my accounts with the account numbers XXXX and XXXX. 

As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), I am exercising my legal rights to privacy and control over my personal financial information. I hereby expressly revoke my consent, whether it be written, unwritten, verbal, or non-verbal, for any authorizations previously granted to XXXX XXXX XXXX XXXX or Experian and any associated entities for sharing any and all information pertaining to the stated accounts. This revocation is in accordance with 15 USC 6802 and is effective immediately. 

I have reason to believe that my personal information has been handled in a manner that is not compliant with the FCRA and other relevant privacy laws. This mismanagement of my personal data is not only a breach of trust but also a violation of my rights as a consumer. 

Additionally, I seek confirmation that all forms of consent for sharing my information related to the above-mentioned accounts have been fully revoked and that no further sharing of my information will occur without my explicit consent. 

Your immediate attention to this matter is not only appreciated but essential in maintaining the integrity of consumer rights and privacy. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-30
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: AMERICAN ADJUSTMENT BUREAU,INC. (CT)

American Adjustment Bureau has violated HIPAA Laws. I ask them to send me evidence to validate my debts with the original Creditor and they sent me copies of personal medical info about my visit at the hospital. They never sent me proof of my signature from the original Creditor to release mine or my daughter 's medical information to a third party!!! 

I want the accounts to be deleted off of my credit reports immediately. I have already contacted the credit bureaus and informed them they are in violation of my medical privacy also! I am filing a complaint with all three credit bureaus again!! My next step is litigation!!
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (PA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ssn : XXXX Subject : Revocation of Consent for Information Sharing and Privacy Violation Concern To Whom It May Concern, I am writing to file a formal complaint concerning the handling and unauthorized sharing of my personal and financial information by Navy Federal Credit Union and XXXX particularly related to my accounts with the account numbers XXXX and XXXX. 

As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), I am exercising my legal rights to privacy and control over my personal financial information. I hereby expressly revoke my consent, whether it be written, unwritten, verbal, or non-verbal, for any authorizations previously granted to Navy Federal Credit Union or XXXX and any associated entities for sharing any and all information pertaining to the stated accounts. This revocation is in accordance with 15 USC 6802 and is effective immediately. 

I have reason to believe that my personal information has been handled in a manner that is not compliant with the FCRA and other relevant privacy laws. This mismanagement of my personal data is not only a breach of trust but also a violation of my rights as a consumer. 

Additionally, I seek confirmation that all forms of consent for sharing my information related to the above-mentioned accounts have been fully revoked and that no further sharing of my information will occur without my explicit consent. 

Your immediate attention to this matter is not only appreciated but essential in maintaining the integrity of consumer rights and privacy. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-07-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (SC)

Hello, I need assistance with my private student loans. I do not understand how they can be charging me so much and increasing my interest rate without my knowledge. I graduated from college in 2012. I borrowed from XXXX XXXX ( now Navient ) a total of {$30000.00}. To date, I have paid {$21000.00}. My current balance is showing as XXXX. I do not understand how I can owe so much money. My balance seems to never decrease even though I make regular payments. I do n't know that I am ever going to pay off these loans. I recently started trying to increase my payments to try to pay down my debt faster. As soon as I began increasing, XXXX XXXX increased my interest rates and the amount I owe has increased. This is not fair. I try to call but I am never able to get in touch with anyone. I need help. I do not want to default on my loans but I am afraid that will be my only option. I can not continue to make outrageous payments and not be able to decrease my debt.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-10-02
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I am a customer of Bank of America and over the last year they have changed their policies regarding the minimum that customers can keep in their savings and checking accounts. I was informed of this and I complied with that policy. However, Bank of America continues to apply {$5.00} fees even after compliance and continued complaints. The minimum is {$300.00}, and I have {$500.00}. 
I am able to maintain, but my question is how do people who do n't have that income and are living off every cent they have use a bank?
Consumer complaint received 2024-01-16
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (NE)

i was paying a monthly fee to XXXX XXXX to provide me with XXXX service, My service went out in XXXX XXXX XXXX and they could not fix it over the phone. After XXXX  days without XXXX service they sent a technician out to repair the service. i had not made any changes to my service for over XXXX  years. In XXXX XXXX XXXX I cancelled my subscription with XXXX XXXX and switched to another service which is paid for by my children since I retired. XXXX XXXX sent me a bill for {$420.00} for early cancellation because I upgraded my equipment at the time of repair and that started a new XXXX  year contract. I told XXXX XXXX  that I did not upgrade anything, I just wanted my XXXX service restored that I was paying for every month. I did not change anything. I did write and mail a dispute letter directly to XXXX XXXX per instructions on their website but never heard anything back. Since then they have turned it over to Credence Resource Management , LLC. I have sent them a copy of the dispute letter and they said they would forwarded it and let me know the results, never heard a word. I did this XXXX  and still nothing. I still get letters from them requesting payment or for me to file a dispute. I also, receive many phone calls from trying to collect the debt. I have called them XXXX  now and told them to either drop the case with prejudice or take me to court. I need the harassment to end, I have an excellent credit rating and i do not need this on my credit report. Thank You
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

Experian, XXXX, and XXXX are reporting Bankruptcy and the bankruptcy court advised they never reported to a third-party agency or credit bureaus. They are violating my rights and committing fraud.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have the right to privacy under 15 USC 1681a ( 4 ). There is NO law stating that this information needs to be reported. In fact, according to 15 USC 1681 2 ( A ) ( i ), a consumer report should NOT contain " information solely as to transactions or experiences between the consumer and the person making the report ''. Also, according to 15 USC 1681 2 ( B ), the consumer report should NOT include " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ''. Violating these laws makes you civilly liable should I be forced to resort to legal action, pursuant to 15 USC 1681o ( a ) ( 1 ).
Consumer complaint received 2020-06-29
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: CITIZENS FINANCIAL GROUP, INC. (RI)

Citizens Bank initiated a hard pull of my XXXX  credit report on XX/XX/2020 without my consent. I'd previously applied for a HELOC with them in XX/XX/2020, but never went through with the loan. I hadn't heard from them in months and had decided to not get a HELOC. Then they pulled my credit after 5 months of silence for no reason and without my consent. 

Please remove this inquiry from my credit report, delete my HELOC application and delete my personal information from your systems. I'm currently in the process of applying for a mortgage on a new property and this inquiry could jeopardize the purchase. I'm extremely upset and if this is not cleared up immediately, I will suffer real damages as a result. 

If necessary, I will also file a complaint with the FTC and the RI Attorney General.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

XXXX XXXX XXXX is a third-party reporting service reporting information without my consent. Per my bank 's privacy statement and terms and conditions, they will not share any information without consent to 3rd party and non-affiliated services. XXXX XXXX is co-owned by XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX. 

This also violates my privacy under the Family and Privacy Act of 1974. You can not report any personal information without my consent. 

The Privacy Act protects individuals in three primary ways. It provides individuals with the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely, or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information. 

XXXX XXXX will not allow me to opt out of their services. per USC 15 sections 6802 to 6805 I am able to opt-out if any such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I was never given an option or educated on XXXX XXXX XXXX.
Consumer complaint received 2022-08-10
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NEXA Mortgage, LLC (GA)

Not sure what happened, I just know that I lost my earnest deposit and didn't close on the property I waited 4 months for. My realtor XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Ga and XXXX XXXX loan officer with Nexa mortgage didn't keep me posted with any new information regarding this property.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I had CFPB reach out to XXXX XXXX  on my behalf to resolve this issue ( See case number XXXX ) but it was not resolved. I Have never agreed to do business with XXXX XXXX personally and I have Never agreed to personally guarantee any loans for anyone or any company. 
XXXX XXXX provided me with a copy of a contract through the CFPB platform and after reviewing it, I can see that the contract is with XXXX XXXX XXXX XXXX XXXX XXXX  and not with me personally. They have not provided a signature of mine by any means. I can see at the bottom of the contract, there are lines where my name is preprinted to sign, however those lines bares the signature of XXXX XXXX XXXX XXXX XXXX XXXX I never agreed to guarantee any loans. The loan officer approving the contract which shows on the left at the bottom of the contract, bares the responsibilities of inspecting this and making corrections before issuing any funds to the company. The fact that this was not done, can not force the responsibilities on to me. 
Based on this, I request this account be removed from my credit report immediately. 
If I have to hire a consumer lawyer and litigate this, I will do so and Sue for a lot of damages. I have been saving all of my credit denials which are caused by this reporting. I hope this can be resolved immediately! I have attached the contract XXXX produced and their response for your review.