davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC (PA)

On XXXX XX/XX/2021 I received a phone call from a debt collection firm called " Reliant '' asking me to pay {$2200.00}, but offering few details. On XXXX XX/XX/XXXX I sent a debt verification letter to Reliant asking for 1. The name and address of the debtor, along with the account number and the amount of the alleged debt. 

2. Verification that there is a valid reason for demanding payment 3. Details about the age and amount of the debt, including the last billing statement from the original creditor ; an explanation of interest and payments made ; the legal authorization for any interest ; the date the original creditor claims the alleged debt became delinquent ; and evidence that I was a party to an agreement to pay any amount. 

4. Whether or not this alleged debt is within the statute of limitations, and how that determination was made. 

5. Information about Reliant 's authority to collect the debt, whether or not Reliant is licensed to collect debt in my state, including the date of the license, the license number, the name on the license, and the name, address, and phone number of the state agency issuing the license, and the same information from Reliant 's state if Reliant is contacting me from another state. 

As of today, XXXX XX/XX/2021, Reliant had not responded. Today I was notified via the XXXX XXXX website that this debt has appeared on my XXXX  credit record. 

Please help me resolve this matter. If there are additional steps I need to take, your advice will be appreciated. Thank you. 

Respectfully, XXXX XXXX.
Consumer complaint received 2021-06-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BAM Management US Holdings Inc. (MA)

On XX/XX/2021, I deposited {$500.00} only {$470.00} was available for trading. I was charged a {$22.00} for the deposit. This is the first time Binance.US charged has ever charged me for a XXXX deposit. There was no notification of a policy change. As a matter of fact, the {$22.00} appeared as a charged only recently. I am concerned this is retaliation for my prior complaint. On that same day, I bought XXXX of XXXX for a total of XXXX. On XX/XX/2021, I sold XXXX for a total of {$470.00}. I didn't check my account until about 10 days ago when I noticed my balance was {$120.00} instead of {$470.00}. Immediately, I attempted to transfer my XXXX  out of the account. I received an error message : Withdrawals suspended due to risk management. I opened a ticket and Binance.US have yet to respond. I believe Binance.US is retaliating against me for my last complaint. Their unauthorized transactions without communication is alarming. They seem to invent charges to explain the unauthorized transactions. They are engaging in fraud and should be investigated.
Consumer complaint received 2021-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

XXXX XXXX experienced issues related to COVID Pandemic with high medical expenses and reactions to vaccinations and subsequent medical as a result of XXXX. XXXX allows customers to overdraft protection which was being brought back up to zero but apparently it took longer than bank allows. XXXX XXXX was not advised on any time limit. XXXXlus SunTrust charged XXXX XXXX additional fees as a result. SunTrust has apparently closed the account and has contracted a credit debt collector. This is outrageous as Suntrust/TRUIST received FEDERAL CARES FUNDING. I request enforcement action against SUNTRUST Bank. Account was closed over XXXX $ and SUNTRUST refused payments to bring the matter to zero. Further SunTrust did not notify customer in advance of action taken. SUNTRUST also reported the activity to outside reporting " ALERT '' ( banking databases ). The US Government has recognized the COVID as a national pandemic/national emergency and ordered citizens to take vaccinations that have ad citizens ill.
Consumer complaint received 2022-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

XX/XX/2022 - {$300.00} Someone STOLE my card and got themselves {$300.00} of XXXX XXXX. Called Wells Fargo and made a claim, they responded through mail saying I authorized it through my PIN. In this day and age, spying, thieving, and other XXXX XXXX is easy, its disgusting. Why do they not ask for ID when someone spend over {$100.00} or {$200.00} AT LEAST? 
I already dont have much, this is disappointing. Never again Wells Fargo and XXXX XXXX.
Consumer complaint received 2022-12-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MD)

Back in early XXXX, I accidentally paid my taxes to the county, when, in fact, the mortgage company had already paid the taxes due. I have been trying to get a refund over {$3700.00} since XXXX XXXX XXXX  I have a letter from the mortgage company stating that they are awaiting the county to reimburse the overpayment. dated XXXX XXXX XXXX Speaking with the county, the county claims they sent it back electronically to Chase on XXXX XXXX However, Chase claims they never received it and Im caught between catch XXXX. I need help resolve the situation. 

Regards, XXXX XXXX
Consumer complaint received 2021-02-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Millco Management (IN)

These scam artists are attempting to collect {$150.00} they are not entitled to because the original creditor that this bill originates from was informed that all statements are involved in malpractice litigation. The reps who have contacted me about this bill are rude and blatantly racist. I also informed the agency that this bill is part of litigation and they hang up, make threats, or are aggressive. They reported it to my XXXX  report and it needs to be removed!
Consumer complaint received 2022-12-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Grain Technology, Inc. (SC)

RE : COMPANY ALLEGED DEBT ALLEGATIONS I, am Consumer/Natural Person. Grain Technology you are a debt collector identified in the Fair Debt Collection Practices Act in Pursuant to Title 15 USC 1692c. ( c ). It has come to my attention, and I am Aware that Grain Technology has violated my rights pursuant to the Fair Debt Collection Practices Act ( FDCPA ) Pursuant to Title 15 USC 1692c ( c ) I am notifying you in writing that I dispute and REFUSE to pay the ALLEGED debt! I am demanding that you cease all further communication through ALL and ANY medium EXCEPT, For communication of remedies for XXXX XXXX XXXX, The consumer and natural person., via MAIL ONLY! 

Below I have attached the following documents below showing proof of harassment and constant from Grain Technology.

You Are Civilly Liable, Failure to respond and honor demands of this notice, Will result in an additional violation pursuant the FDCPA. I will take legal action and Litigation will be brought upon you.
Consumer complaint received 2023-05-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (AZ)

In XX/XX/XXXX I requested for loan modification due to I was laid off XX/XX/XXXX and new job less half income. My account remained current in XXXX I received approval for trial payments. Per the letter step 1 I was to make payment no later than XX/XX/XXXX. I made the payment of XXXX as indicated by the date on letter even though trial was not to start until XXXX. I made 2nd payment XX/XX/XXXX and 3rd payment XX/XX/XXXX. US Bank reported me 30 days late for XXXX payment. If the letter had not indicated to make trial by XXXX I would have made my regular payment as always and trial on XXXX but that is not what the letter stated and US Bank will not correct I believe this is unfair and deceptive as the letter stated step 1 pay by XXXX
Consumer complaint received 2020-06-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ray Klein, Inc. (CA)

On XX/XX/XXXX I had XXXX at a XXXX XXXX XXXX. One of the bills was for {$6600.00}. XXXX XXXX, my insurance company, paid {$4500.00} of this bill and on XX/XX/XXXX I was billed for the remaining {$2000.00} ( the XXXX XXXX statement attached to this complaint verifies that the insurance company paid {$4500.00} ). On XX/XX/XXXX I made two payments that totaled {$2000.00}. See attached screenshot from the XXXX XXXX website verifying payment. I have also included the EOB from the insurance company backing up the above figures. 

Last XXXX, XXXX XXXX issued a rebate to XXXX XXXX for some reason ( presumably as part of their standard business relationship, which, according to XXXX XXXX, had nothing to do with my XXXX ). A clerk at XXXX XXXX [ presumably ] mistakenly applied {$530.00} of the rebate to my account, which had been closed since XX/XX/XXXX. So now XXXX XXXX 's ledger showed that I owed {$530.00}. I explained to them why I didn't ; XXXX XXXX explained to them why I didn't ; and then XXXX sent the debt to a collector, Professional Credit Service. They contacted me in XX/XX/XXXX and I responded on XX/XX/XXXX with all the proof that I did not owe the debt, and I asked them to stop contacting me ( as I understood it to be my right ). On XX/XX/XXXX they contacted me again ( illegally? ) to try to collect the debt. I have once again asked them to stop contacting me.
Consumer complaint received 2021-02-22
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: EQUIFAX, INC. (CA)

I have submitted several ( 5 total ) factual based disputes to Equifax and provided documentation demonstrating and proving to Equifax my dispute is valid ; however, Equifax continues to report inaccurate information yet Equifax has failed to properly investigate my disputes nor have they reviewed the documentation I have provided. 

All 3 credit bureaus are reporting different payment histories, different payment dates, and inaccurate dates last active. Each time I dispute the inaccurate information, each credit bureau indicates they have verified the information. If each credit bureau is reporting different information for the same creditor ( s ) how can the information be verified? This is proof Equifax is not verifying the information or conducting an investigation I have the right to a fair and accurate credit report under the FCRA and if the creditor can not provide the credit bureaus with consistent accurate information, these items must be removed from my credit report. 

I have given the creditor and Equifax several chances to properly report the information or remove the inaccurate accounts from my credit file and the credit bureau has failed to investigate my dispute, correct, or remove the inaccurate information from my credit report. 

I submitted a CFPB complaint on XXXX against Equifax and Equifax initiated a new dispute as a result ; however, Equifax has still failed to properly investigate these disputes and the documentation provided sand still continues to report inaccurate information. 

To See Disputed Accounts, review Disputed Accounts_Equifax
Consumer complaint received 2020-06-09
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. (OH)

I have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of these debts and request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) When the original date of default and collection activity began 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.

I have attached a police report and an FTC report for identity theft.
Consumer complaint received 2022-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (GA)

I have been a customer of JP Morgan Chase ( Chase ) for over a decade ; however, I got a credit card with them in XXXX, which I did not have any issues with until recently. Recently I paid my credit card balance off in full on XX/XX/XXXX, which was before I due date. Chase charged interest in the amount of {$21.00} on a credit card with no balance due, on XX/XX/XXXX. When I called customer service on this matter on XX/XX/XXXX, at XXXX am est, I was told that it was because I had a balance that I was charged interest due to a daily interest charge. Of course, I told them that the card was paid off in full before the due and interest dates. Therefore, I used the points I accrued to transfer to cash and add to the balance and paid the remaining balance due as of that day minus those point. I informed customer service that I would be canceling the card because it doesn't make any since to charge a customer interest on a zero-balance card. This was not the original terms of our agreement, and I was not informed of any changes.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (MO)

Account information comments/remarks are reporting incorrectly/erroneously from Midland Credit Management. This collection agency continuously reports the account as " Account information disputed by consumer '' in the comment/remarks. 

I am no longer disputing the account information and have expressed this to the collection agency 's attorney ( XXXX XXXX XXXX ) on several occasions XX/XX/XXXX, then again XXXX XXXX and XXXX XXXX to discuss payment arrangements with each call. 

I have contacted all three credit bureaus to have these dispute comments removed several times and each time the credit bureaus complied to my requests to remove the comments, but Midland Credit Management and/or their collection attorney ( XXXX XXXX XXXX XXXX adds the dispute comment back onto my credit files each month.
Consumer complaint received 2021-11-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (MA)

My name is XXXX XXXX ; I am filling this complaint against two companies below : XXXX XXXX  XXXX XXXX Balance : {$18000.00} Address : XXXX XXXX XXXX XXXX XXXX, Ma XXXX Phone number : ( XXXX ) XXXX Reported : XX/XX/XXXX Discover Balance : {$14000.00} Address : XXXX XXXX XXXX XXXX, DE XXXX Phone Number : ( XXXX ) XXXX Reported : XX/XX/XXXX My reason for this complaint is to ask for these companies to remove their charge or reports off my credit. These two companies have been on my credit report for a charge that had nothing to do with me. I was shocked myself to see the charges on my report. These charges were as a result of credit fraud activity and have been harassing me with letters and phone calls for something I did not do. These companies have added much stress into my life and I have taking the precaution of securing my credit and identity. I have since added a fraud alert on my credit report per XXXX XXXX as of XX/XX/XXXX, to prevent anymore of this type of activity. I have filed the following : Dispute letters on XX/XX/XXXX Investigated Disrupts to bureau on XX/XX/XXXX Direct disputes and validation to Discover and XXXX XXXX on XX/XX/XXXX Round 2 of dispute letters on XX/XX/XXXX Furthermore, I noticed a Texas address on my file that I did not recognize nor ever lived at upon creating an account with XXXX, which shows and proves the fraudulent activity that I had no idea about. The false address was : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I recently applied for a new line of credit on XX/XX/XXXX, and got denied. This was my 4th denial with this company ( XXXX  XXXX XXXX ). I also got denied for limit increase with my current credit companies XXXX and XXXX. This is hindering me from additional line of credit to progress my life forward. I deserve to have the opportunity to obtain new line of credit and progress my life forward and these two companies are not allowing me to do so.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (CA)

Presence of those unauthorized accounts and enquiries made me feel very anxious about my financial health. The credit report needs to be accurate because it tell the world of lenders what we have done with our money management. I, therefore, ask that an immediate investigation and removal of the following inaccuracies and unauthorized accounts/inquiries be done immediately. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to dispute the following information in my file. I am a victim of Identity Theft which i believe came from XXXX Data Breach. I filed an FTC Identity Theft Report XXXX. I recently received a copy of my credit report from Transunion and XXXX. Both credit report showed credit inquiries that I did not authorize. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please see attachment with the list of inquires.
Consumer complaint received 2021-05-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2020-12-07
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. (PA)

I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.
Consumer complaint received 2023-06-09
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. (FL)

In accordance to 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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX However, they stated everything was complete and accurate. But, how's that possible If the date of last activity and much more is incorrect. 
According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

15 USC 1681 section 602 A. States that I have the right to privacy. 15 USC 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 c ( a ) ( 5 ) 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 dates back more than 7 years.

15 USC 1681s2 ( 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.

Also, they aren't even in compliance metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2021-10-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Applied Data Finance, LLC (FL)

Due to the Pandemic my Husband has been out of a job and we are in financial distress at the moment. We are having issues paying our loan thru Personify and they have sent me a loan settlement offer in an email. But after numerous attempts I can not get them to confirm this offer in writing or email, they only offer doing it over the phone which I am not comfortable with. I would like something in writing. I have sent them numerous emails requesting this and even suggesting terms I could pay. {$2800.00} one time payment or {$4000.00} over 6 month period. However I just keep getting a runaround. I would like to settle this debt but this company Personify is impossible to deal with. I also have already made well over {$4000.00} payment on this loan.