davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

I contacted XXXX  XXXX XXXX on XX/XX/2018. I informed them that i never had A XXXX XXXX account before, which is the bill they are saying I owe them for debt. I never opened the account and asked for a verification of debt. They informed me that they do not legally have to provide me or notify me of debt. I was never notified about the collections. I never Recieved a letter. I only knew i had the collections because i ran my credit report. When I contacted the company, they could not find my file. They have the wrong name under my social security number. This company is fraudulent and unjust.
Consumer complaint received 2019-09-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (FL)

ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1989 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX XXXX XXXX/CAPIO XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1989 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2019-09-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BC SERVICES, INC. (WI)

While visiting Co in XX/XX/XXXX I became sick, went to XXXX Hospital on XX/XX/XXXX and was diagnosed with XXXX XXXX. The hospital ran a XXXX XXXX, gave me XXXX, told me to go to XXXX which is lower altitude and I will be ok. The next day we packed up and drove to XXXX and I had no breathing issues. While at the hospital we gave them our insurance card and they made a copy of the card to submit the bill to. On XX/XX/XXXX I receive a bill from XXXX stating that I owe {$4500.00}. I proceed to call XXXX and send them a copy of the EOB showing the negotiated price and that I owe {$640.00} of which I already paid {$500.00}. Below is a listing of dates, times and people I talked to. I have NEVER received any further communication from XXXX since XX/XX/XXXX. This weekend XX/XX/XXXX I receive a notice from BC Services , Inc XXXX XXXX XXXX XXXX CO XXXX XXXX ( Acct # XXXX ) stating I owe them {$4500.00} and I need to pay this immediately. I called BC Services twice today talked to XXXX XXXX @ XXXX and she told me I need to call my insurance company and have them call BC Services. I called my insurance company and due to privacy laws ( thank God ) they can not talk to BC regarding my insurance. I did email over an explanation of benefits to BC Services showing the bill being paid. I later call BC Services and talk to XXXX XXXX @ XXXX and she explained that an EOB is not good enough and I need to pay BC Services. 
I then called XXXX Hospital at XXXX and talked to XXXX in billing and he stated that I owe no money to XXXX  and that they never sent anything to BC Services and they are not sure who that even is. That lead me to believe that BC Services could be a  fraudulent company? I am concerned as I do not want my good credit score being affected by this possible fraudulent company. I turned to you because that's the information I found on the internet. 
Thank you XXXX XXXX XXXX, XXXX Conversation with XXXX : XX/XX/XXXX XXXX, he stated call back in a week, he will look into the EOB XX/XX/XXXX XXXX @ XXXX XXXX ( billing company for XXXX ) she states to call back in a week XX/XX/XXXX called XXXX XXXX back and talked to XXXX and XXXX at XXXX and they stated they never submitted the claim so they sent it to XXXX. again. Really the claim was submitted and paid in XX/XX/XXXX. 
XX/XX/XXXX called XXXX XXXX again and talked to XXXX who in turn forwarded the information and EOB to her supervisor who never called me back. 
( XXXX XXXX # XXXX ) Time goes by with no bills or statements ... 
XX/XX/XXXX I receive notice from BC Services that I was sent to collections. I send them the EOB ... .The above story explains that.
Consumer complaint received 2019-10-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MoneyLion Inc. (GA)

I have tried to work this out with the company for 3 months. I have an investment account with them. I asked them to use those funds to pay off my loan and closed my account because I could no longer afford it because I'm not working. they said they only do that for really delinquent accounts so I said basically you want to mess up my credit then maybe decide to pay it off when the funds are there. They have reported late payments I contacted them again they have yet to respond to my inquiries but continue to report my payments as late but yet I can't get in contact with them regarding this account so how can you report my payments late with your not communicating with me. I have more than enough in my investment account with them they refuse to use those funds to close his account before this account was late I have tried and tried to get them to use those funds to close this account. They are now ignoring me and ignoring my efforts to reach out to them. They were contacted first on XX/XX/XXXX before I was reported late. They replied XX/XX/XXXX. I replied same day received a response XX/XX/XXXX. I have an open Consumer report for this same issue but the company never responded. I disputed the late payment and they reported me 60 days late.
Consumer complaint received 2019-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (NY)

Since 2015, I have tried to get Seterus, inc., to stop the harassment and bring my payments up to date as I never missed a payment. The company fraudulent ways have defrauded millions of dollars from costumes. At this time I am part of one of the {$5.00} XXXX Dollars class actions against Steterus , Inc., currently pending in the XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX Vs Seterus, INC _ XXXX XXXX _ Case No. : XXXX ( XXXX ), which Mr XXXX XXXX asked Mr. XXXX from XXXX, XXXX. See copy of the email. 
Also, after contacting a Civil Rights Group, and after submitting the overwhelming amount of evidence collected through the almost 4 years, they decided to take action. We are filing another lawsuit against the same company, Seterus, inc., for the serious mental and financial damage they created by not only threatening me with foreclosure, tried to alter my mortgage, phone, and mail harassment but also by reporting my mortgage delinquent to credit report agencies for years. We have found hundreds of costumes via social media who suffer the same faith, and we feel confident the law will correct the situation the company refused to do itself. Per the advice of the counselor, I was asked to hold back monthly payment until the lawsuit is filed, hopefully in the next weeks. After the lawsuit has been filed, I will re-initiate payments and submit the missing payments only after my lawyer has asked me to do so. 
I got told communication is now happening with the Office of the Attorney General, and it is possible the company will face more charges soon. I will make my evidence available to any agency who makes the proper request. I can be contacted via email XXXX XXXX
Consumer complaint received 2019-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX  XXXX # XXXX is reporting a late in XX/XX/19. I was never late. What happened was that I had paid it online and did not realize that the payment had not gone through until they sent me a notice about it being late, the first thing I did was pay it. This is not my fault and I did not know about the payment not going through until it was too late.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2021-02-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XX/XX/20 I have sent out letters to all three bureaus Equifax, XXXX  and XXXX  about inaccurate items reported on my credit report. It is going past 60 days and I still have not received a response from either of the bureaus.I feel like I am being ignored and demand a response.
Consumer complaint received 2019-03-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I sent a letter to the credit bureaus on XX/XX/XXXX, asking them to investigate errors on my credit report. All three were supposed to respond within 30 days, but I have only received a response from XXXX XXXX.
Consumer complaint received 2019-03-25
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. (NY)

I had a collection that was paid and guaranteed from the collector XXXX XXXX to remove from report after payment made and it still shows on my report. Creditor said he is not reporting to the credit bureaus..NOT only that, it is reported INCORRECTLY, INACURATE<, NON CompLIANT to the XXXX XXXX XXXX and FCRA and they keep claiming for VERIFED and ACCURATE. 
DAte opened, last reported, date last active all wrong and inconsistnet
Consumer complaint received 2024-08-23
Product: Credit 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 (CA)

Since XX/XX/year> PayPal received a refund from XXXX XXXX XXXX for defunct gift card.

Pay pal has however did not return money to XXXX XXXX.

1 ) Card Never worked 2 Why is pay pal charge back team holding XXXX XXXX refund
Consumer complaint received 2019-03-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

I obtained my Credit Report to the three big Credit Reporting agencies. I got a report back from Equifax, but there was erroneous information that I disputed. Equifax subsequently sent me an email at the end of XXXX with a Confirmation Number to obtain information about dispute on-line. Today XX/XX/2019, I tried several times to use the Equifax on-line system to obtain the information, but the system would not process my request. I therefore started an on-line chat with Equifax. Only after some dialogue with the on-line chat person, did the chat person disclose the telephone number needed to talk to someone at Equifax. I could not find the telephone number any where in the Equifax information. I called the telephone number and spoke to two different people. They asked me for identifying information like name and address, which is a reasonable request. However, they then started to ask me " computer generated '' questions to verify my identity such as the date I put a credit freeze on my credit report and the monthly payment on my credit card ( which, of course, varies from month to month ). When I protested the inane questions, Equifax refused to verify my identity and refused to send me the results of my dispute. They now tell me that I can only get the results of the dispute by writing a letter to Equifax. It seems to me that Equifax is setting up highly unreasonable obstacles to me getting the information that they are required by law to provide. Please pursue Equifax and get them to change to a more reasonable and consumer friendly system to provide the required information.
Consumer complaint received 2018-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (IN)

I deposited a check into my XXXX XXXX checking account. The check was bad. I closed y account and paid it the next week when I got paid. It is still showing on XXXX XXXX under closure status it says not reported. It was reported on XX/XX/2015. I took care of it the following week and should have been closed. I called XXXX XXXX  last week when I tried to open my new checking and got denied. They emailed me a letter to take to my bank stating I did not owe them any money. I thought they would have this removed, but it is still showing on the report I received today.
Consumer complaint received 2022-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

i have several times and long time to request and to fix the credit that has been in the credit reportfor a long time and they dont respond back ever. please see previous complaint # XXXX complaint againts EQUIFAX, XXXX XXXX XXXX
Consumer complaint received 2019-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

I WAS SOLICITED BY CITI BANK CARD TO OPEN AN ACCOUNT. I NEVER OPENED AN ACCOUNT WITH CITI. SEVERAL MONTHS LATER I NOTICE CITI ADDED UNFAIR AND ILLEGAL FEES CLAIMING THAT I OWE THEM AND I DO NOT OWE THEM ANYTHING I NEVER APPROVED OR AGREED TO OR PURCHASED OR CONTRACT. 

I HAVE CALLED THEM SEVERAL TIMES AND I EVEN HIRED AN ATTORNEY XXXX XXXX XXXX TO SEND THEM LETTERS TO REMOVE THEIR INACCURATE INFORMATION AND TO CLOSE ACCOUNT. I KEEP GETTING SOLICITED BY THEM AND I ASKED THEM NOT. 

I AM BEING DAMAGED DUE TO CITI REPORTING FOR WRONG AND INACCURATE INFORMATION. 

RE : ACCT ENDING IN - XXXX FOR- XXXX XXXX XXXX
Consumer complaint received 2019-04-16
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. (CA)

one collection has been reporting under my equifax credit file, i have disputed several times but they come back and say it has been verified, an d i am sure they are not even disputing this inaccuracy, cause many times they have ignored my and my request. please have this inaccuracy removed from equifax credit agency. only they are the ones who are reporting this fraud account. 
please you are my last hope i call the collection agency they dont even have my information in their data base, not even my social or my name, they checked many times an i even know that i dont have any collections. i will be attaching my police report and the FTC report which i provided. thank you for your cooperation
Consumer complaint received 2018-02-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (NC)

I got an alert with this agency on XX/XX/2017. CBE Group is a debt collection agency. I have a debt of XXXX dollars. CBE Group opened the debt XX/XX/XXXX with XXXX. On XX/XX/XXXX XXXX and XXXX. I moved around this time and have confirmation letter from the post office. The mail could have crossed in the mail, if CBE Group used standard mail, I wouldn't have gotten it anyway according to post office. Anyway I never received any correspondence or a letter stating that I owed this bill. I don't even know the account number. If I don't know the account number and CBE Group letter or bill, how would I know to even pay. I also printed the hassle free resolution, so you can look at an option to pay. Once again I don't know account number, but it says you can by social security lookup, I am not doing that over the internet.
Consumer complaint received 2024-08-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Am a customer of capital one bank and have an active checking, saving and credit cards account with them. Am also a frequent user of the XXXX account. On XX/XX/year>, i mistakenly XXXX a {$1000.00} to a wrong phone person number because the person i intended to XXXX it to change her phone number and i forgot to change her number in my XXXX contact. I notice the mistake and i called the bank immediately to stop the transaction but the customer service rep told me that the transaction is pending so they cant do anything until the transaction has gone through. I pleaded with her not to allowed the transaction to go through as it was a mistake but refuse to do anything, She told me to wait until the transaction went through and fill a claimed and my money would be refunded to me. I later filled a claim but my claimed was denied. i filled a again and again it was denied. i was told that it was denied because the payment was processed according to my payment instruction, so i was advice by the bank to contact the person directly to resolved it. I tried calling the person he accepted he received the money and will send it back but never did. I contacted XXXX but they told me that they cant help me that i should contact my bank. i called my bank requesting the address of the person but they refuse to give me either. Have been calling, walk in but they are saying they cant help me. Please is there someone out there who can help me to get my money back. Please help me