davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MST Financial Services, L.L.C. (ID)

1. I was contacted by Chapman Financial Services via phone regarding a debt from XXXX XXXX 2 years prior for {$24.00}. I was asked for my mailing address and gave my XXXX XXXX . ( They lied ) saying they could only send mail to a physical address. 2. I received a collection notice stating the amount owed was {$20.00} and {$3.00} in interest. NOTE : the original has no wording for interest on unpaid debt. 3. I responded to the letter denying any debt and asked for verification I also told them to Stop all other communication other than mail. 4. I later received an undated letter claiming to be a statement from the original company. In fact the paper was an incomplete accounting printout. 5. After finding the original statement and check copy I responded to CFS including the original statement showing the amount due for ( TOTAL CHARGES ) and the check copy proving the due total was paid in full. I again requested verification of the claimed debt in the form of a bill or statement 6. XX/XX/XXXX I received a call from XXXX with CFS ( against my Instruction for mail only ) 7. My husband called XXXX the same day in an attempt to get information and was told we had all the required information and was told the note in the file would read " refusal to pay '' His response was that was a lie and if the debt was accurate it would be paid if the proper documentation was provided. The response was she was going to note " refusal to pay '' ( a lie ) 8.I contacted the original company giving them my personal information. XXXX XXXX confirmed there were no outstanding debts and this particular statement was paid in full XX/XX/XXXX. 9.I responded with another letter requesting proof of debt other than a company printout. My letter has also noted to place the claim in dispute.
Consumer complaint received 2020-08-13
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC (IL)

Company says I owe over {$400.00} from an XXXX XXXX XXXX account. However, I had tried to return equipment in the past. Credit agency can not guarantee that if I return equipment the fees will be reversed. In addition they have been calling multiple times a day anywhere between 3 to 7 times a day. I do not answer anymore because there is dead space on the other line for approximately 2 minutes and then they hang up after I identify myself. After receiving my call I generally get a notification that my credit report has been updated with a response that Sunrise Credit Service has added a derogatory mark on my report. Currently they are adding marks every week.
Consumer complaint received 2022-11-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

On the weekend of XXXX XXXX XXXX, we were victims of fraudulent charges. The issue started with an email stating that my computer had been breached. I unfortunately, called the number on the email. The person I spoke to claimed he was with XXXX. He asked to remotely sign on to my computer to correct the problems. During this time, I noted that there had been fraudulent charges for purchase of bit coin from called XXXX XXXX through bank accounts we held at both XXXX XXXX and Fifth Third Bank. The person who was supposedly from XXXX, indicated that he could reverse those charges, which it appeared he was doing when I checked our accounts at both banks on-line. He also, said we had to let the charges go through in order for him to reverse them. Ultimately, I recognized that what this individual was telling me didn't seem to make sense. At that point, I blocked his phone number and notified the fraud departments at both XXXX XXXX and Fifth Third Bank that the charges were fraudulent. We ended up having to close our accounts at XXXX XXXX and open new ones. The reason we had opened the accounts at Fifth Third Bank was that at the time my husband was working part-time at XXXX University and XXXX XXXX XXXX XXXX XXXX XXXX WV, and there were no XXXX XXXX banking locations in the local vicinity of XXXX. Anyway, my husband discontinued working in XXXX in XXXX of 2022, so rather than close and reopen the accounts at Fifth Third Bank, we elected to close the accounts. At the time we closed the Fifth Third accounts, we thought our claim had been settled. However, we subsequently received a letter from Fifth Third Bank dated XX/XX/2022, that indicated 'Our research confirms that the transaction was valid. ' We subsequently spoke to the fraud department to contest their decision. We were told that I had supposedly confirmed the purchases in response to a text message from XXXX XXXX that was sent on XX/XX/2022 at XXXX XXXX I however, never received that text message, nor would I have approved such a purchase. Interestingly, when I've spoken to someone in the fraud since that time I was told that the supposed confirmation of the purchase was in an email that did not come from my email address. In addition, the individual admitted that the purshases were not consistent with out prior activity. We have since filed a dispute with Fifth Third Bank and have requested proof of their claim that we approved the purchase, however we have only received additional letters stating their research confirms that the transaction was valid. We have never received any other communications from the bank or its fraud department other than multiple letters that all state the same thing. In addition, we have since been referred to a collection agency. There has been no transparency in regards their denial of our claim that the charges were indeed fraudulent.
Consumer complaint received 2020-08-13
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. (NY)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2020-08-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (OH)

I am a victim of Sanatander and there predatory lending and illegal tactics to sell cars. I bought my wife a car from a dealer in XXXX. Me not knowing much about the car buying process and finances I feel Sanatander saw that as a weakness and exploited it. We bought a XXXX XXXX XXXX and the payment was {$440.00} a month. At this time I only made around {$15.00} an hour working XXXX to XXXX hours a week. Santander set me up for failure knowing it would be difficult for me to pay for that car. In XXXX I lost my job and couldnt pay for and it was repo. At this time i still owe around XXXX on it. I am still dealing with the effects to my credit from that car and dealings with Santander. I read they have a class action lawsuit for predetory lending and discriminating against XXXX XXXX  and XXXX.
Consumer complaint received 2020-08-13
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. (GA)

I filed a complaint with the consumer financial protection bureau about equifax and equifax has not removed the inquiries I had ask to be removed because I did not have my credit ran for these 27 inquiries to be on my credit report, here are all the inquiries I dont recognize on my credit report I took screen shots from equifax site, Im tired of filing a complaint and equifax does not want to reach out to the consumer and fix this matter so Im filing another complaint also in addition I did take a screen shot of one of there products that states it gives all three scores from equifax, XXXX, XXXX  for XXXX thats not the case I bought a product for XXXX and had to turn around and purchase XXXX to see the other XXXX XXXX, XXXX, but my main focus is the 27 inquiries in my credit report that I do not recognize I want them off my credit report, it is my right to dispute any and all inaccurate information on my credit report, 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, these are the inquiries equifax has failed to remove .i I did not make these inquiries I want them removed off my credit, like I said under the fair credit reporting act anything I dont recognize and its incorrect on my report I can dispute this information I want these removed off my report, thank you
Consumer complaint received 2020-08-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Portfolio Recovery Assoc, LLC  by sketchy practices is attempting to collect a debt w/out providing me or the courts the proper credentials to show that they have the right to collect a {$2100.00} amt from me. After some communications by phone to get info from me, they insisted I pay them {$2100.00}. I never heard of this company and after their threats I insisted they were not to reach me again. The harrassment continued and even disgusting things were said of my character. Thats when I knew they were a joke of a company. 
A few months later PRA, LLC has me summons to answer their incomplete case to the XXXX Judicial circuit courts. They are attempting to get a judgement against me. From what Im understanding is that I may not have responded in time to have their motion for summary judgement dismissed. Ive also petitioned for a hearing.

There are a number of violations to my rights as it pertains to the Fair debt coll laws. Tactics taken. Threats to my credit. No written notifications. No proof they own a debt I owe. Maliciously taking me to court. 
My appeal will be handled by my soon to be hired attorney. 

Who are these people and how do they own this debt and why would they think I would pay them anything? 
Im sure our phone calls were recorded on their part. So they say. I cant wait till you hear what was said to me. 

Giving this complaint to PRA doesnt sound as if they will even be investigated by you. 
Im hearing this agency has no authority to enforce rules. Will you please pass this complaint onto the authorities that can really investigate wrong doing. Get their tapes and youve got em. They recorded our conversations.
Consumer complaint received 2020-08-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (MA)

Hi Manager ; This is a violation of my medical rights and definitely a violation of both FDCPA and HIPPA violations. Listen, I was shocked when I reviewed my credit report today and I still found a medical collection from CFSI or Commonwealth Financial services for {$2100.00}. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have never had any relationships with this company listed and i really don't want to waste my time going back and forth. I honestly do not believe to ever have any relationship with this collection agency or original creditor. I called them and they mentioned it's an old medical account from XXXX from XXXX XXXX XXXX  which i have NO RECOLLECTION and when i asked the representative, she said that she's going to place it under dispute for now. 

Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2022-11-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Zip Co US Inc. (CA)

DON'T SAY DUPLICATE!!!! If so, then WHERE IS THE OTHER COMPLAINT?!??? 
You need to contact ZIP PAY!!! They still owe me money, and have done a lot of wrong things. I have emails and receipts how much was always promised to me, and they broke it. 

I have ATTACHED the emails. You can see they were just stalling and wasting time to not fix it. Same questions, from 5 different people, starting the process over and over again. 

Zip Co has been continuing to charge me for payments made to things I already returned a long time ago. I have tried to resolve this issue since this past Spring, to no avail. Zip keeps giving me the runaround, and keeps my refund money. I would like my money back.
Consumer complaint received 2020-08-13
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXXXXXX {$3900.00} XXXX XXXX XXXX XXXX {$11000.00}
Consumer complaint received 2020-08-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

This is the same complaint but the corrupted XXXX XXXX  and shellpoint morgage servise keep sending me the same paper ever and over they claimed I owed them money the can't explained where the keep sending me paper from XXXX XXXX and I got a loan modification on XXXX and at the time corrupted XXXX  XXXX XXXX told me that I was going to start they added XXXX on XXXX so my loan when from XXXX to XXXX and at the time I was to started the loan no inters no extra fees until I paid the XXXX XXXX XXXX but XXXX  XXXX XXXX couldn't get more money for it they gave it to XXXX XXXX  so they try to get inters get me out of the deal I got first claiming I did a bankruptcy so when they realized it was a lie now they tried to tell me I'm behind the payments but the can't get which one that's why they keep sending me paper that does no have anything todo with this loan they try to get me out of the loan modification I have because they can't get any extra fees even that they say they can in my contract I got in XXXX through my loan masificacin my lawyer at the time explained last month she'll point send me paper for another loan modification and I wander why they say the will take my house they say they foreclosure my house and I don't understand why
Consumer complaint received 2020-08-13
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

They are reporting this account monthly after account was closed and is charged off. I requested a full report of this account and till this day, I dont have any answers. They failed to respond to my pending Notice of Direct Dispute. They still haven't done their investigation.
Consumer complaint received 2020-08-13
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$3900.00} XXXX XXXX XXXX XXXX {$11000.00}
Consumer complaint received 2023-02-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Aargon Agency, Inc. (NV)

AARGON COLLECTION AGENCY REP CALLED AND TOLD ME IF I DIDNT START MAKING A PAYMENT PLAN ON {$36.00} MEDICAL DEBT THAT I WAS NOT AWARE OF AND HAVE DISPUTED I COULD BE ARRESTED AND SUED AND MADE TO PAY BY BOTH FINES AND IN IN PRISONED ALSO I DID SOME DIGGING THEY HAVE ME OWING MEDICAL DEBTS FROM OVER 15 YEARS AGO THAT SHOULD HAVE BEEN DELETED BUT THEY KEEP BUYING DEBTS AND CLAMING THER NEW WHEN THEY ARE WELL OVER 15 YRARS OLD AND SHOULD HAVE BEEN DELETED AFTER 7 YEARS
Consumer complaint received 2020-08-13
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$3900.00} XXXX  XXXX XXXX XXXX {$11000.00}
Consumer complaint received 2020-08-13
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX
Consumer complaint received 2023-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

ITS BEEN 5 YEARS AGO. this was settled. i was XXXX and on my own. the XXXX  was paid the copay. that was to settle it. the rest was out of my medical savings account. they never applied or didnt apply correctly... i explained this repeatly. then it finally dissappeared from credit report..i figured whew ok finally handled ... .now it mysteriously appears years later. ITS THE ONLY THING ON MY REPORT THAT IS DETRIMENTAL I AM XXXX XXXX SOCIAL SECURITY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX PLEASE HELP
Consumer complaint received 2020-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX is charging me {$310.00} for an account that was closed. 

I returned the modem as soon as the lockdown in michigan was canceled. I was high risk for COVID and they would rather me risk my life than to wait for safety to return it. Its punitive!
Consumer complaint received 2020-08-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: McCarthy, Burgess & Wolff, Inc. (NY)

1 ) The phone number given was never provided to either the Credit Card company and certainly not the collection agency and therefore should not be used. 

2 ) They have called at all times of the night including at XXXX and XXXX in my timezone ( I am not in the USA ).
Consumer complaint received 2020-08-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Rosebud Economic Development Corporation (MN)

I received two money transfers from two different places Zocaloans and AmXXXX XXXX XXXX ( per my bank ) I told my bank I had not applied for any loans, so I contacted both companies and both told me they received an application that was approved, one for XXXX  ( zocaloans and another one for XXXX ( XXXX XXXX XXXX, I told my bank I had never applied for a loan, so I called Zocaloan first and told them someone must to use my information because I had never applied for a loan with the,, and asked them what documents they had to confirm the identity of the person who was applying for a loan, I was told depends on the application they sometimes do not request documents.. I told them that was wrong they can not approve a loan with out proof of identity, I told them that is not correct, they asked to provide my debit card or account number to deduct the funds with interests and I told them I was not going to because I did not know if they were a real company and I wasn't about to give my accounts to someone I did not know, I contacted the police and they told me not to give my financial information to no one because we did not knew were the money was coming from and were was it going to., the representative told me that if i did not pay the loan interests was going to accrued by the day, I told the representative I was not responsible since I never applied for a loan with them. the companies keep approving loans to people that are using other people 's account and personal information with out requesting identity documentation, the loan number was given to me by the representative per my request