davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (SC)

Credit collection services can not provide a wet signature for the alleged debts they are reporting each month to my 3 bureau reports. Credit collection services alleges I owe {$860.00} to XXXX but will not list it as medical debt, thus impacting my ability to secure financing. Credit collection services has failed to validate this debt with wet signatures from my person. I have disputed this allegation of debt multiple times on all bureaus. I do not owe this debt, I deny this debt. There is no reason I would ever need nearly {$1000.00} in labs when I am a healthy XXXX yr old with a state backed XXXX XXXX XXXX XXXX healthcare plan, as Im a XXXX XXXX XXXX. My co-pay for lab work is {$83.00} on my coverage plan. I believe this company can not provide a wet signature for this total amount of debt because it is not my own. I believe my information has been somehow transposed and they are attempting to collect an astonishing amount of debt from me on behalf of someone else. 

The debt is constantly being reported as an open account, which it is not. It is being reported as being open since XX/XX/XXXX which is also incorrect information based off of the time of visit for the alleged labs. The account is being reported under multiple companies on varying reports. XXXX has the reported debt collection company listed as XXXX and XXXX has it listed as Credit Collection Svcs. 

I have no contract with either of these entities. Neither entity has received permission to view any of my medical history, redacted or not. XXXX, the originator of the accounts has not received written or verbal permission to pass any of my information to a third party whether it was purchased or otherwise. I am requesting this {$860.00} collection be removed from my XXXX and XXXX report. XXXX has already deemed this collection incorrect and removed both. 

There is another {$110.00} collection from the aforementioned collection company reporting to both XXXX and XXXX. All information listed above applied to this debt as well. This debt falls under the new reporting act that states as of XXXX, XXXX medical debt under {$500.00} will not be listed on consumer reports. This debt should not appear on any report, nor should it be continuously reported as non medical or open each month.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (CA)

XXXX, DATE OPENED XX/XX/XXXX, AMOUNT {$2000.00} FILED FRAUD NEVER GOT RESPONSE. 

XXXX XXXX DATE OPENED XX/XX/XXXX, AMOUNT {$760.00} FILED FRAUD NO RESPONSE. 

XXXX XXXX DATE OPENED XX/XX/XXXX, AMOUNT {$1400.00} FILED FRAUD NO RESPONSE. 

XXXX XXXX DATE OPENED XX/XX/XXXX, AMOUNT {$2400.00} FILED FRAUD NO RESPONSE XXXX XXXXE DATE OPENED XX/XX/XXXX, AMOUNT {$300.00} FILED FRAUD NO RESPONSE XXXX XXXX XXXX  NA DATE OPENED XX/XX/XXXX AMOUNT {$4900.00}, FILED FRAUD NO RESPONSE NORDSTROM/TD BANK XXXX XXXX XXXX XX/XX/XXXX AMOUNT {$490.00} FILED FRAUD NO RESPONSE.
Consumer complaint received 2022-08-20
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: Experian Information Solutions Inc. (OH)

In XXXX and XX/XX/2022, I visited a few car dealerships to shop around and explicitly told these dealerships that I do not want my credit report run because I will be getting financing through my credit union as well as making a down payment. 

These dealerships then took it upon themselves to run my credit report over 20 times across different banks to try and find a rate that would beat my credit union even though I had just asked them not to do that. They did so against my wishes because they were aggressively trying to make sure I left with a vehicle that day. Below are these frivolous inquiries segmented by credit bureau. 

Experian : XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXXXX - XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX - XX/XX/2022 XXXX XXXX XXXXXXXX - XX/XX/2022 XXXX XXXX  XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX  - XX/XX/2022 XXXX XXXX  - XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX : XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX  XXXX - XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXXl - XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX : XXXX - XX/XX/2022 XXXX XXXX  - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XX/XX/2022 XXXX - XX/XX/2022 XXXX XXXX XXXXXXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX - XX/XX/2022 XXXX - XX/XX/2022 XXXX - XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX - XX/XX/2022 XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX - XX/XX/2022 XXXX  XXXX XXXX XXXX - XX/XX/2022 XXXX  XXXX - XX/XX/2022 XXXX - XX/XX/2022 XXXX - XX/XX/2022 2022
Consumer complaint received 2022-08-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Unifin Inc. (IN)

Please see attached documents showing schedule of debtors and the collection account. 
This was discharged in the XXXX  XXXX bankruptcy. 
The date of original debt is XXXX, you have to include ALL debt in a XXXX. 
The card amount doesnt match but there is no way anything prior to XXXX was not included in the discharge amount. 
This is criminal behavior!
Consumer complaint received 2021-02-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (CA)

I have been with paypal as my credit card processing bank for 18 years. they just locked my account and wont let me withdraw my money from sales of products. We are a XXXX XXXX XXXX helping XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX. We are a very small business and I need that money to pay bills and keep the business running. 
Paypal is doing this as retaliation because they paid out Seller protection money to us. which is they're Insurance plan if you will if anything happens to the transaction Paypal is suppose to cover it under the seller protection plan they made.

a stolen credit card was used and the product was stolen from us as it was delivered and I am sure resold somewhere else. Paypal did not take the money back form us. but instead we got our account locked saying we could not withdraw money or pay for anything from our paypal account. we have over {$20000.00} in there now. 
I have called into payal and spoke to a supervisor who said they would not release the hold on the account. and that they had to act like any regular bank. I told him no bank does this. they can not with hold my money. 
they are telling us we have to give them 6 Months of bank statements from another bank. which we already confirmed with paypal when we opened the account. Paypal has been depositing the money for us everyday since 2003 into this account. we should not have to stop everything and pay the bank to give us statements that are private information to load up to paypal to get stolen. they also want 2 years of financial statements. this is ridiculous. they have no right to do that and punish us just because they had to honor their seller protection plan. 
they are telling us we cant even close our account and get our money out. 
Paypal Has overstepped its boundaries. and if need be we will complain to FDIC and our Senators also, Attorney General, And any other banking regulator. since paypal said they were a bank.
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX and 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 2022-06-27
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: EQUIFAX, INC. (MS)

In accordance with the Fair Credit Reporting act inquiries done by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all violated my rights. 

I do not recognize these inquiries. Never been in contact with any of these companies there forth these are fraudulent and are inaccurately reported to my credit profile. 

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 2021-02-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Concord Servicing Corporation (PA)

In XXXX I obtained a loan for energy improvements to my home, through the XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). 

I have been making payments on that loan until, unbeknownst to me, the company that services that loan XXXX XXXX XXXX stopped payment through the automatic payment method that I had set up with them. It appears that this occurred XX/XX/XXXX. 

I have not received any written communication from XXXX XXXX XXXX to explain why payment was stopped. On or around XX/XX/XXXX I became aware that these payments were no longer being made. When I attempted to log in to my XXXX XXXX XXXX account, I found that my account was no longer accessible. When I was able to access their website with new credentials, my loan was no longer linked to my account. I still have no access to any information about my loan, since this was all done via the web account ( paperless ). I also have not received any emails from XXXX XXXX about the account. 

Around XX/XX/XXXX I received a call from a bill collector notifying me that they were collecting the debt on the account. I told them that I would not pay the debt until I was able to establish contact with the lender. Since this time I have been attempting to contact XXXX XXXX. 

The phone number at the XXXX XXXX office apparently doesn't pertain to loans outside of California or Florida. When I call this number I am internally forwarded to a third party bill collector, Concord. 

I have also attempted to contact XXXX XXXX via email and through the form on the XXXX XXXX website but have not received a reply. 

I am unable to contact the lender to confirm or understand the reason that my loan payment stopped or why this was referred to a bill collector. As I have no information from a trusted source regarding this loan, I am contacting CFPB to understand the legitimacy of the claim against me.
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I went through XXXX on XXXX XX/XX/2021 to dispute the currently three late payments from two Capital One accounts among another account. Instead they just closed the account and Capital One has declined my request however, the other has approved. All three accounts are under a credit counseling program and I have made my payments per month as agreed by Capital One. One account was agreed for {$35.00} a month, and the other was agreed for {$87.00} a month. I don't feel it's fair for the consumers to have to go back and forth with the merchants and battle the situation out with them when there's nothing to argue about, so I refuse to. The dispute with XXXX should have taken care of that. Today is the XXXX, so essentially they took no time or consideration to look at the facts or their own document they had agreed to, which I sent in along with my dispute.
Consumer complaint received 2022-06-27
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 AM A NATURAL PERSON AND CONSUMER FILING THIS COMPLAINT DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME I DID NOT GIVE XXXX, XXXX, EQUIFAX WRITTEN PERMISSION TO FURNISH ANY FRAUDULENT ACCOUNTS ON MY CONSUMER REPORT PURSUANT TO 15 USC 1681 ( B ) IT STATES THAT I HAVE TO GIVE WRITTEN CONSENT
Consumer complaint received 2022-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MS)

On XX/XX/2022 I filed a dispute against XXXX in the amount of {$120.00}. The next day I mistakenly canceled my dispute and tried to reopen the dispute but got denied multiple times. On XX/XX/2022 my issue with XXXX  was resolved but the only problem was that since a dispute was filed chime did a chargeback and XXXX  has told me to since I have filed a payment chargeback dispute, we recommend reaching out to your banking institution regarding the down payment of {$120.00} I made. So once I called chime about it they told me to send in new evidence to reopen the case and still keeps getting denied after multiple times even after talking to a supervisor no help. They also told me also to call and talk with the merchant so once I got off the phone with them I immediately called XXXX  and they said basically it was nothing they could do because the chargeback was officially completed and they did not see why chime couldnt refund me the chargeback or reopen the dispute so I could receive the money. I have also sent them the email from XXXX  stating to contact them about the refund and Chime hasnt done anything my but deny my request to open it.
Consumer complaint received 2022-06-27
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. (MO)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions. I have never own such account listed on my report as 90 days late XX/XX/2015, XX/XX/2015.
Consumer complaint received 2021-02-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commercial Acceptance Company (PA)

In XXXX to prepare for a mortgage, I pulled myXX/XX/XXXX Consumer Credit Report from XXXX. I found an account that I did not recognize on my credit. A company called COMMERCIAL ACCEPTANCE COMPANY, who has never notified me, or sent me any information whatsoever, was reporting the account in question. On XX/XX/XXXX, I found a dispute letter online and I sent it to them because that is my right. I sent that letter to the address that is reported right there on my XX/XX/XXXX report. That letter was returned to me. How can this be? They are required to report 100 % Factual information to the credit bureaus, otherwise, the account constitutes defamation of character! They have violated the FCRA and FDCPA by reporting incorrect information substantially in the form of an incorrect address. THIS IS ILLEGAL! PLEASE HELP ME
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.
Consumer complaint received 2022-07-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America/fraudulent XXXX transfers totalling a loss of XXXX over a two day period XX/XX/XXXX and XXXX 2021. I only received one email advising that money was successfully transferred. Since I did not initiate or authorize the transfer I immediately called BOA. 3 transfers out of 7 were still pending and I was told they could not stop the pending transfers. I told them I'm advising you they are fraudulent but it did not matter to them. I then called the nearest BOA branch and was advised to come to the branch the next day. Which I and my husband did. It is 75 miles from our home. I have since done everything BOA has advised me to do. I have spent countless hours with submitting paperwork and filing complaints with our local sheriff 's department, the FBI and others. I also contacted our local XXXX XXXX  " XXXX XXXX  XXXX. To date, I have not received a call or email from him. I also want an email to the president of BOA. I will say a representative for BOA did contact me on several occasions. However, to date, since I have not been able to get XXXX to send me my records : calls, emails, and texts I am at a dead end. Please help us get a refund of the XXXX. The monies that were stolen were to be used to pay off our BOA credit card that we had used for a vacation. We came home on XX/XX/XXXX and the monies were stolen XX/XX/XXXX and XXXX. It's been devastating both mentally, emotionally and monetarily. Now, my husband of almost 50 years has been diagnosed with XXXX  XXXX. We are both XXXX XXXX. Now we need someone advocating for us. Please assist us.Thank You
Consumer complaint received 2019-01-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Received a collection notice with many phone calls afterwards from XXXX XXXX XXXX, XXXX. On XX/XX/2019, for the amount of {$8.00}, XXXX. 

I called them back ask for any evidence of such debt, they totally avoid my request and threaten to distort my credit.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (FL)

XX/XX/XXXX I was involved in a car accident. I was driving my XXXX XXXX it was totaled. The insurance card I provided the police had XXXX vehicles on it. The XXXX XXXX and a XXXX XXXX. I knew after having the accident the insurance on the remaining vehicle ( XXXX XXXX ) will probably go up. So I started looking for new quotes for the XXXX on XX/XX/XXXX. I was told my XXXX XXXX and XXXX that they could not insure my vehicle because it is being reported by Lexisnexis as salvaged. I called my current insurance carrier and they said they did not report anything on the second vehicle. I have been calling & emailing Lexisnexis EVERYDAY to dispute this error. Each time I call they claim that they are doing a system update, therefore they can not access my reports. Im the consumer and you cant give me my report but you can give incorrect information to businesses that inquire about me. Now my finance company is asking me what is the status of the XXXX. When I called Lexisnexis again today this representative finally told the truth that there is an error with my file which is preventing them from access. So. They see there is an error but no one is going to fix it. Please help before I get cancelled by my insurance and my finance company reports this vehicle as a write off!!! I already emailed Lexisnexis a copy of the ticket that proves the XXXX XXXX XXXX was the vehicle involved
Consumer complaint received 2022-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (FL)

I began questioning this organization in XXXX of XXXX into XXXX and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the fourth time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.
Consumer complaint received 2021-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MS)

Our mortgage servicer is SLS. Last XXXX we asked for payments deferred during the pandemic. We were granted XXXX through XX/XX/XXXX. During this time we elected to keep up with the escrow so we voluntarily paid the taxes and insurance to SLS during this time. We did not want a higher payment when we came out of this.

Although our 5 escrow payments cleared our escrow was not credited. In XX/XX/XXXX we began to make principal, interest, and escrow payments. 

I will download proof of 5 p and I payments deferred which matches our records. 

The escrow balance shows a negative XXXX which will also appear as a positive XXXX in the suspense account. 

The correct is escrow is XXXX which is XXXX per month with a total payment with p and I of XXXX We have now received a 2nd notice of default. with a notice of intent to foreclose. The default letter shows no payment for XXXX although a payment cleared XXXX. 

Another unresolved matter is adding force placed coverage in XXXX for {$2000.00}. This should also be credited. In XXXX an insurance premium was paid and the agency it was sent to did not send it to the insurance company. We moved to another agency in XXXX of that year and SLS was put on notice of the new coverage that was in force. On XX/XX/XXXX SLS paid for forced coverage that was not needed and also paid the new agency. ( Please see the attached ) Since we had coverage and there was no lapse the {$2000.00} should be credited to our account. 

I have also attached the 45 day notice of intent to foreclose.