davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-29
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. (GA)

XXXX XXXX XXXX - Account # XXXX Balance : {$180.00} In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX- Account # XXXX Balance : {$140.00} In accordance with the Fair Credit Reporting act 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 XXXXXXXX XXXX XXXX- Account # XXXX Balance : {$140.00} In accordance with the Fair Credit Reporting act 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 XXXXXXXX XXXX XXXX- Account # XXXX Balance : {$1900.00} In accordance with the Fair Credit Reporting act 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 XXXXXXXX XXXX XXXX Account # XXXX Balance : {$100.00} In accordance with the Fair Credit Reporting act 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 XXXX XXXX  XXXX Account # XXXX Balance : {$150.00} In accordance with the Fair Credit Reporting act 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 XXXX XXXX  XXXX. Account # XXXX Balance : {$1700.00} In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX  Account # XXXX Balance : {$370.00} In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-03-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MEI AUTO FINANCE INC (TX)

I sent a final invoice that came directly from XXXX showing the correct balance - there is no legal way to deny the true balance yet XXXX continues to send me the same response saying the balance is correct - - 7 years of false reporting before I was able to get this invoice, and now it is being ignored this is illegal- I simply request the error is legally deleted or updated -- I had requested that XXXX dispute and research the incorrect balance several times, but I had no proof as XXXX denied all my requests for more information - Now that I have the actual final invoice - XXXX is still ignoring the error which continues to harm my credit and cost me time and money
Consumer complaint received 2022-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

When my loan was purchased by Mr.Cooper on XX/XX/XXXX is was delinquent paying property taxes due to actions of the previous mortgage servicer. I called them to get them to pay the delinquent bill and the penalty associated with the payment being late. They paid the delinquent taxes and the penalty out of the escrow account on XX/XX/XXXX. I asked them to pay the late penalty of {$190.00} into my escrow account as they are responsible for late payment penalties. They have refused. I called back on XX/XX/XXXX and they still refuse to pay.
Consumer complaint received 2022-03-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

A company by the name of I.C.System has called and harassed me viciously regarding a debt from XXXX XXXX XXXX XXXX Now they are sending letters to my home claiming I owe {$160.00}.
Consumer complaint received 2021-05-07
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. (MD)

I am a victim of XXXX XXXX and the credit bureaus have refused to remove the fraudulent activity from my report. The XXXX  has the same XXXX XXXX but different XXXX XXXX and XXXX XXXX. She has used my XXXX XXXX  number to obtain credit and then never made a payment. Even though we have had her XXXX in the past, the credit bureaus and credit issuers have refused to remove these items from my credit. I am the XXXX of a XXXX XXXX. All of my accounts are in good standing and never late. Any and all derogatory items on my credit are directly related to the XXXX. I am unable to refinance my home as a result of the sever damage this is causing to my credit.
Consumer complaint received 2022-03-24
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: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX I contacted Chase regarding a credit card letter I received in the mail asking me to confirm my information. I had originally applied for a business credit card on XX/XX/2022. When I called the representative asked me to confirm my Social Security number and during the call I received a notification about a credit inquiry from Chase on my XXXX credit report. I asked the employee on the phone why she had ran my credit without my consent. I immediately asked to speak to a supervisor demanding they reverse the credit inquiry as I had not authorized the credit check. She refused to help me and stated I had authorized them to check my credit when I had applied on XXXX XXXX. There was already a credit inquiry on XXXX XXXX and I did not authorize the credit check from XXXX XXXX.
Consumer complaint received 2022-04-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Applied Data Finance, LLC (NC)

I received a loan in XXXX of 2021 from the lender. While I know a debt is owed, I think I may have been subjected to predatory lending. My interest rate is 148.50 %. I started to research the company online and there are several lawsuits pending against the lender for extremely high interest rates. At the time I received this loan, I thought this was legit and did not question it. I reset my browsing history on my phone and when I looked this company up to log into my account that is when I came across red flags that this may be a predatory lender. I stopped making payments because I am not sure if this is legal or not. I also sent notification to the company revoking ACH authorization for payments. It has now been referred out to a collection agency called XXXX XXXX, XXXX. I think the interest rate is above the legal cap allowed in North Carolina. This prompted more research and I came across this site : https : XXXX  which mentions this lender by name for their extremely high interest rates and how certain states do not allow this lender to operate. 


Personify Financial was the company I got the loan from. It appears they originated the Loan from XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, UT XXXX
Consumer complaint received 2020-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Paypal Holdings, Inc (TX)

I went to the computer this morning to try to make a transaction to begin the process of sending web traffic to my websites. ( 4 of them ). The cost was supposed to be $ XXXX/month. All of my credit and debit cards were declined as if they were being blocked by the computer system for suspicion of being fraudulent. I would like to block on the cards lifted so that I can continue to operate my website businesses.
Consumer complaint received 2022-06-24
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: CITIBANK, N.A. (MD)

On XX/XX/22, I received a call from Citibank asking if I used my credit card at XXXX XXXX for {$1500.00} and XXXX as well as XXXX for {$15.00}. I immediately told them that I was at home and no I did not use the card as well as I am not a member of XXXX. They asked me if I had the card. I checked and found it put away in my house. I explained at that time that the card was expiring and I had received an email from Citibank stating that I should already have or soon would be receiving the updated expiration card. I never received the new card. Ive explained to Citibank on several occasions that I never received the card. Nonetheless they said I was responsible for the purchases because an actual card was used. I have made police reports to XXXX XXXX, MD and XXXX XXXX XXXX, MD police. I wrote a letter back to Citibank Security Services explaining once again that I did not buy those items from XXXX  and XXXX I offered to do whatever is necessary to prove that to them including taking a lie detector test. I told them where I was on XX/XX/22. I implored them to take a look at the issue again and see that for several years Ive only had one recurring charge on this card that has always been paid in total monthly. Im being inundated with phone calls, texts and emails asking for payment and Citibank has put it on my credit that I have an overdue bill. My credit score that was always in the 800s is now down XXXX points. I pay my bills in full every month and have my whole life. I would never refuse to pay for any item I actually bought. I did not purchase anything from XXXX  or XXXX. Citibank Security is not responding back to me. Around this same time, someone else tried to open an account at XXXX XXXX XXXX XXXX in my name. It was found to be fraudulent.
Consumer complaint received 2022-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have not applied for any credit cards for the month of XX/XX/2022. There have been 6 inquires using my information to apply for credit cards. I received a credit card from Capital One Spark Business that I did not apply for. Also, there has been activity of credit card applications in my name from the following : XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. All of these have been denied because of too many inquires. However, my credit is being affected by this. Furthermore, I received a letter about a change of address. The letter stated that I have changed my address. This is false information. I have not changed my address.
Consumer complaint received 2022-07-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

On XX/XX/2022 the collection agent for LVNV Funding, Resurgent Capital Services, XXXX stated : " You can contact XXXX XXXX XXXX, XXXX, the third-party servicer that is currently servicing your account XXXX. '' I took steps as suggested. XXXX does not respond to phone messages or emails. After I informed Resurgent that XXXX is unresponsive, Resurgent does not reply. I have even threatened court action - still no response. So, I have no way to address this " account '' that appears on my credit report in the amount of. {$760.00}.
Consumer complaint received 2022-03-24
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. (TX)

After pulling my credit report an open record of bankruptcy XXXX  XXXX was on my report. I reach out to my local courthouse and XXXX to find out who reported this information to the credit bureaus however they both responded they do not give out that information and XXXX removed the bankruptcy from my file on there end. The three credit bureaus were all giving a copy of this information and was asked for them to verify they information if they couldnt i needed it to be remove and neither company took this into action. Bankruptcy is still being reported.
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I have disputed the referenced accounts to the 3 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 FTC 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 the 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 5 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 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-03-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Chase bank has decided to terminate my account for either no reason or a reason they can not provide. This happened on XX/XX/2022 and they should be closing my account on XX/XX/2022. I have tried figuring out the reason as to why, but they have said that they can not give me the reason. I need to know why they would close my account and find a possible way to prevent this as Ive been with chase for many years. I was never even notified by text, email, or phone. I only figured out why through another family member informing me that their account was being closed.
Consumer complaint received 2021-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (IL)

On XX/XX/10 a fraudulent purchase was made with my XXXX and XXXX XXXX for the amount of {$520.00} at the XXXX XXXX online retailer. I contacted my credit card within an hour of the purchase to report the fraud. They closed that account and sent me a new card. On XXXX, almost two months later, I got an electronic letter stating that my claim was denied because the merchandise was sent to my house. I contacted XXXX and XXXX XXXX XXXX to reopen the case and obtain all the information I needed to file a police report. During this process the customer service representative provided me with the tracking number for the fraudulent purchase that shows that the package was delivered and signed for to a different person at a different address. I have now talked to a handful of customer service representatives that don't seem to understand that they themselves have the tracking number that shows the package was not delivered to my address and was signed for by a completely different person. I also filed a police report on XXXX in hopes that XXXX and XXXX XXXX will understand that this is fraud and I never received the package. I attached screenshots showing that the package was signed for by a different person at a different address.
Consumer complaint received 2018-04-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc. (OH)

Recently while conducting a monitor of my credit report I discovered that CHOICE RECOVERY INC has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from CHOICE RECOVERY INC but I am unaware of the amount due and your bill does not include a breakdown of any fees.

Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to CHOICE RECOVERY INC to release my medical information to a third party.

Validation of Debt, and HIPAA authorization.

1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA.

Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, 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
Consumer complaint received 2022-03-24
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. (AL)

XXXXXXXX XXXX XXXX  continues to report an account that I have previous disputed and sent police reports as well as identity theft packets. This account was previously removed in 2020 when XXXX XXXX XXXX was the collector o behalf of XXXX XXXX XXXX ( also attached ) however it is being repeatedly bought by new debt collection companies even though it is fraudulent. Equifax has been given this information on several occasions yet they have refused to remove this collection after being sent supporting documents showing that this was a result of fraud. I would like to now only file this dispute against both companies for legal documentation but to also get the support of the federal trade commission to help me resolve this issue.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (TX)

I submitted the despites with the credit bureaus regarding my Macys account. the account was charged off in XXXX of XXXX the account continues to report as a NEW charge off every month. I called and explained that to both XXXX and Macys. the account should not continue to report every month as a charge-off. It should only report as charged-off in the month that the charge-off actually happened. They have refused to remove the monthly history of the charge off and continue to report every month. I need these deleted from my account. Please help!
Consumer complaint received 2018-04-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

I have been on the " Rate Reduction Program '' with Navient for the last three years I have been submitting my information to be considered for the program because it is based off of your income. I also have three co-signers who are not aware they have to provide their income because I am the one that has been paying the loan. They are not willing to submit their personal income information because they were not aware they would need to submit this when they co -signed for the loan. I spoke with Navient about this last week to lower my monthly payment from XXXX per month which I can not afford. They told me that they would need my co-signers to submit their income in order to be considered for a lower payment each month. I was willing to submit my own information but they stated my information would not be enough my co-signers would also have to submit their information. I have also been on the rate reduction payment and it does not seem my balance has been going down. I have asked to have my co-signers released however the representative told me that I would have to pay XXXX for 12 months with no late fees or delayed payments and even still they may not be released because it is based on credit. I can not seem to win or get out of the trap of Navient they have not been helpful. How can I get help with dealing with this company? Someone needs to do something about them there are several complaints about them and nothing is being done. WHY?
Consumer complaint received 2022-03-24
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: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX a Charge from XXXX XXXX was charged on my account fraudulently. I report the fraud and my bank will not reverse the charge. I have attempted to reach XXXX XXXX, unfortunately they are no longer operational. I have been attempting to resolve this with both the bank and the company since XX/XX/2021. I have XXXX worth of NSF 's on 2 separate accounts relating to this claim.