davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-21
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Action Collection Agencies, Inc. (MA)

I received a bill from Action Collection Agency of XXXX in regards to a medical bill. I responded to their notice via letter and provided proof that I paid the facility directly for the services. I received another notice from them that did not answer any of my requests/questions in my first letter. I sent a second letter but did not receive another response in writing. Since that letter, I received numerous phone calls and voicemails from different numbers requesting me to call them ; the messages were all automated. I sent a third letter demanding them to not contact me via phone but to respond to my previous letters via writing with further proof. I have received further automated voicemails.
Consumer complaint received 2021-12-21
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)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2023-08-15
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: SANTANDER HOLDINGS USA, INC. (GA)

I am a victim of identity theft I have about 8 inquiries that I don't recognize on my credit reports. 6 or 7 on XX/XX/XXXX 2 on XX/XX/XXXX and XX/XX/XXXX 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 instruction 15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a customer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-08-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc (FL)

On XXXX XX/XX/2023 I had a question for My account with Chime. I went online to locate chime customer service. As I explained my question the representative of Chime directly transferred me to a representative that would resolve my concern. After a few some time the representative exclaimed my concerns were addressed. When O checked my account after the phone call to Chime customer service my account was XXXX, {$1500.00} was removed from my account in three unauthorized transfers. I contacted the website immediately to report what happened and they hung up on me then blocked my calls. 

I found the real Chime customer service and reported what happened and I wanted to dispute the three unauthorized transfers. Chime customer service opened an investigation to credit the {$1500.00} back in my account. I emailed XXXX all evidence of the illegal transfers by the fraudulent Chime customer service website. I also provided screen shots of the fake website to assist in the investigation. Since XX/XX/2023 Chime has closed the investigation do tomorrow error made four time with me having to request reopening my case. I have asked to receive documentation on why my case was closed with no further explanation on closing my case and denying I was a victim of fraud regardless of the evidence I provided Chime customer service. 

I have asked to contact a department to complain my case was not receiving the proper investigation by Chime customer service and the representative will not provide me with a way to contact a department above customer service. 

Thank you, XXXX XXXX
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Cleara, LLC (AL)

There is an illegal transaction and information reported on both my credit report and background report stating I owe the sum of {$2400.00} for a property I have never lived in. This is incorrect. This is being reported from a company named CLEARA INC..I need this removed from my background report IMMEDIATELY with confirmation of removal. Thanks in advance.
Consumer complaint received 2023-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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

XXXX XXXX XXXX : Account number XXXX, XXXX XXXX XXXX : Account numbeXXXX XXXX, XXXX XXXX XXXX XXXX  : Account number XXXX XXXX XXXX XXXX : Account number XXXX XXXX XXXX XXXX : Account number XXXX XXXX XXXXXXXX XXXX : Account number XXXX XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX 
Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX Unknown Account number XXXX Unknown Account number 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC (TX)

They are holding my XXXX under a security hold even though I've been a Gemini customer for years. The process to remove the security hold has been slow as they take forever to respond to emails and they are asking for very personal and sensitive information. Just when I think they are about to remove my hold, they keep asking for more personal and sensitive information.
Consumer complaint received 2023-08-23
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Williams & Fudge, Inc (GA)

I was contacted by Williams & Fudge on XXXX XX/XX/2023 in reference to alleged debt owed, I stated to the representative that this account had already been resolved and there is no reason for them to contact me on this matter. The representative stated that regardless of it being resolved previously this amount is still owed. I asked if i was intended to pay this amount that was previously owed and resolved and the representative responded with yes, I would have to pay again for the alleged outstanding account. I asked them to provide evidence that this account was not resolved, and I would be retaining a Lawer on the matter. The representative responded, " come on what lawyer are you going to get, who is your lawyer ''? This type of behavior is a form of harassment commonly reported in association with this company and is a form of intimidation and ridicule intended to be used in predatory tactics..
Consumer complaint received 2024-04-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: SANTANDER HOLDINGS USA, INC. (MD)

In XX/XX/XXXX, I purchased a vehicle from XXXX and obtained financing from Santander Consumer USA. Shortly after I purchased the vehicle, I had a voluminous of mechanical and electrical problems and it was not safe to drive until the repairs were made ( per the XXXX XXXX ). Since I filed for Bankruptcy in XXXX, it was in my best interest to keep this vehicle and pay to get the repairs done. After I decided to keep the vehicle, I made my first payment in XX/XX/XXXX to Santander. Due to the overall cost of the repairs, I fell behind on my payments and subsequently Santander threatened to repossess my vehicle. After they filed a motion with the Bankruptcy court, we reached an agreement and the past due payments would be included in a repayment plans consistent with the terms outlined in the bankruptcy. Afterwards, I made XXXX payments as agreed on time for XXXX and XX/XX/XXXX, and all of my payments have went exclusively towards interest. The rep at Santander informed me that none of my payments would be applied to the principal since there were past due payments. My Attorney advised me that all payments from XX/XX/XXXX and here on out should abide by the original terms when I purchased the vehicle since the past due amount was included in a repayment plan as long as I pay by the XXXX each month. As of now, Santander is in violation because they are illegally taking every payment and applying it to the interest.
Consumer complaint received 2023-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc. (AZ)

This complaint is regarding dispute under ID # XXXX I sent Moneylion official written confirmation of the dispute via email on the same day with an email screenshot from the merchant confirming my transactions were cancelled, but they charged my card anyway. I need Moneylion to provide a temporary credit in my checking account within 10 business days as required by Regulation E, or as soon as possible since I wasnt expecting this money to be out of my account.
Consumer complaint received 2023-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc. (AZ)

I opened dispute claim # XXXX # XXXX and # XXXX with Moneylion. I supplied written confirmation of the dispute via email on the same day with documentation from the merchant ( email screenshot ) to prove the transactions were canceled ahead of time and my card was not supposed to be charged. Moneylion is required under Regulation E to provide a temporary credit of the full amount within 10 business days of opening the dispute. I need these funds credited as soon as possible, as this has caused significant financial strain for my family.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc (SC)

Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
Consumer complaint received 2023-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (VA)

I.C. System INC. are still sending me collection letters saying I owe them a balance for a debt I do not owe. I do not owe this company any amount of debt, this company failed to send me the requested documents I asked for in my dispute letter. This company do not have any signed documents stating we done any business. I have attached a copy of my dispute letter so the CFPB can see the documents I have ask for and did not receive Reference # XXXX
Consumer complaint received 2023-08-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (NY)

Lender asked for explanation on various rent payments, deposits, business income etc. I provided every single detail as asked and I was still denied for an additional rent I pay when that lease expire on XX/XX/2023 and I offered to end that lease before this day and provide verification to have the mortgage approved. 

Underwriter was biased from the beginning with every single explanation I provided, asked for additional docs. 

Business income deposits and every single peace of asset is verifiable and notates solvency to cover mortgage payments.
Consumer complaint received 2023-08-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mediation Recovery Center (KS)

The company MRC, Mediation Recovery Center, sent a letter dated XX/XX/XXXX but we did not receive till beginning of XXXX. It stated that they had " made several attempts to reach you to resolve your XXXX XXXX XXXX  account that is significantly past due. '' The amount they claimed owed is {$5900.00}. They requested payment in full by XX/XX/XXXX or give notice as to reason for non-payment. This was the first communication we had ever received from MRC. If they had called they never left a message and we do have it set up that people can leave voice messages for us if we don't answer the phone. 
I had never received any statement from XXXX XXXX XXXX saying we owed any money and all medical bills have been paid. 
I reached out to the account manager that sent the letter as a phone number was by the name. That number was not MRC and had no idea who or what I was asking about. I then called the number to make a payment and spoke to a someone. The only information she would give was that it was from XXXX of XXXX for a XXXX XXXX. Never having had XXXX XXXX I furthered question and she gave me the name of my XXXX XXXX surgeon. I asked for a copy of the original billing and was informed she could send it to me via email as soon as I gave her my email address. When I requested that I wanted it in the mail she refused and said it had to be via email. I would not give my email to her and she was very rude and said I would need to talk to my doctor. 
I reached out to the billing department of my XXXX doctor and as well as hospital where I had XXXX for my XXXX XXXX in XXXX of XXXX. They had no record of me owing this amount or the name of the company claiming I did. 
I then contacted MRC again to request in mail a copy of the original billing as the billing offices had said they are required to send it or it would void what they are trying to collect. At this time when I called MRC I was immediately transferred to someone hire up. I tried to explain what I was wanting and he would not allow me to talk even when I asked him to listen. I was told I was a child, I didn't know how these things worked, and I was not allowed to ask or make any demands, that I was in no position to do that. I asked repeatedly for him to listen to me as I was requesting a copy sent in the mail or it would be voided. Again he would not allow me to speak, speaking over me as I was trying to talk, belittling me. At that point I hung up. 
I then contacted the insurance company that I had three years ago to see if they had any record of this amount. They were able to pull up my records from the summer of XXXX and did not see a claim for {$5900.00}. 
At this point I am at a loss as how to proceed as I am feeling threatened for owing an amount that we honestly never received a bill for.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (GA)

I've tried to get this accounts removed from my credit report, I read up on consumer laws and it states according to the 15 u s.c. 1692 that's these shouldn't be on my report. Please Help me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX They have unlawfully added these accounts on my credit report. Thanks In Advance
Consumer complaint received 2023-08-22
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: PLANET HOME LENDING, LLC (LA)

I called Planet Home and explained to them that the Loan sold to them was discharged in bankruptcy in XXXX, but they continue to send statements for payments and they bought the loan in XXXX, long after it was discharged in bankruptcy. 

When I tried to refinance my home they decline because Planet Home stated we never made any payment. The statement Planet Home sent to me was for XXXX. Now they are telling the mortgage company the balance is XXXX.and because of no payments the company refuses to ok the loan. The Loan was discharged by the court in XXXX for XXXXwho sold the loan to Planet Home.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

DEPT OF ED/XXXX Balance {$1400.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$1100.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$3700.00} Balance updated XX/XX/2023 DEPT OF EDXXXX Balance {$8800.00} Balance updated XX/XX/2023 This account shows incorrect information on late payment, I have never had a late payment on the XXXX  loan accounts and this is wrong information i need this to be fix i try with the lenders but i haven't receive any answers.
Consumer complaint received 2024-04-23
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Recovery Solutions Group, LLC (MD)

Hello, I had a merchant cash advance with this company through my business at the time and when we were close to finishing they offered a refinance and fast talked me into taking it. It was ok at the moment because I had the cash flow. When business slowed down and I wasnt able to get the work I tried to reach out to them to work with on a lower payment and they wouldnt work with me and caused my business to go under. I continued trying to work with them and they could never give me a reasonable payment. They have constantly threatened me with UCC liens and either have a collection agency harassing me daily. I tried to come up with a way to work it out before filing a complaint and now need a lil help. I recently lost my business due to predatory lending taking advantage of the situation. The collection agency that they have constantly harassing me and threatening me with UCC liens information is below XXXX XXXX Recovery Solutions Group LLC XXXX XXXX XXXX XXXX, DE XXXX XXXX
Consumer complaint received 2024-04-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (ND)

They just sent me a bill for XXXX bucks and said I had to provide them with proof of insurance during that time frame. I called them and asked for the original acceptance of the policy. I do not know how they signed me up for any insurance since I only asked for a quote and did not accept a " policy '' with them. I need that documentation, because I have no idea how they decided to just bill me for something I did not agree to. I also do not know how they can insist that I give them the insurance documentation I have in order to dismiss the bill. 

XXXX XXXX XXXX XXXX number : : XXXX Policy Term : : XXXX XXXX, XXXX to XXXX. XXXX, XXXX XXXX XXXX : : Full Term
Consumer complaint received 2024-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MI)

XXXX XXXX claims that I owe them {$270.00} from four or five years ago. They say when I canceled my coverage that they kept it active for another month. I didn't ask them to, or want it, but they did and they're trying to collect on it. It's been negatively effecting my credit rating since. It shows as a delinquency, the ONLY delinquency that I have. I do not owe them money and will not pay them. It should not be on my credit report and they won't remove it.
Consumer complaint received 2023-03-04
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. (OH)

The following accounts on my credit report are in violation fair credit reporting act. 
Account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX.
Consumer complaint received 2021-12-21
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. (OH)

i sent out a dispute/investigation letter the was signed for on XX/XX/2021 and have have not heard anything from the XXXX about the dispute. the dispute was for inaccurate reporting of dates on accounts. and inquires that i didn't authorize.
Consumer complaint received 2023-06-15
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. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.