davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MoneyLion Inc. (NC)

On XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX moneylion emailed me saying I'll get {$20.00} if I sign up for their plus product, but I already signed up for it, and every time I respond asking for the {$20.00} they say they have no idea what I'm talking about or I should be getting it soon. I was referred by XXXX and based on that should be getting the bonus.
Consumer complaint received 2019-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

My child support payments come directly out of my check every month and has been for several years but the credit bureaus had been reporting late payments to my credit file dated back as far as XX/XX/XXXXand this has hurt my credit.
Consumer complaint received 2019-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC (NY)

Please see my prior complaint # XXXX Reliant Capital Solutions LLC called my number about a debt that is not mine, and other agencies have failed to validate. A validation of debt notice was mailed to Reliant Capital Solutions LLC today. XXXX XXXX XXXX has also closed this case but it seems the debt was bought.
Consumer complaint received 2023-02-27
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Finance of America Holdings LLC (IN)

The mortgage company filed the foreclosure in court and were unable to provide me an itemized statement of how much we owed. I filed a complaint at that time and they provided me an itemized statement that had bogus items on it like a line of credit and and loan set up fee and then XXXX XXXX tried to justify that list by saying you agreed to pay that back ... of course but that is not something that would be on an itemized list to pay back in order to cure a default and either would a line of credit. So, I called and pushed back on that list. It took you about 45 to 60 days to come up with a list that matched the default amount you had been quoting me. I told you that I had applied for assistance with XXXX even though you have said I did not. Of course they came back and said we were not behind on our property taxes because you have hired a third party in California to pay our property taxes and your attorney has arranged for her to receive our property tax bill of us and the county tax office says that even if we pay our taxes, she will too. We are going to get that stopped tomorrow but anyway, The balance of {$3800.00} that you have used to claim in court will cure the default and given us is an error as I told you before... and I am not referring to the fact that you did not follow regulations to assess force placed hazard insurance. As you will see, You state that on XXXX XXXX XXXX  property taxes were paid and the amount is {$520.00}. You have included the receipt for that payment as check no. XXXXXXXX and recorded that as the Spring installment. However, that is the Fall installment. You failed to include the Spring installment paid on XXXX XXXX XXXX  by credit card by your 3rd party vendor. I know, hard to believe that it is being paid that early. However, I have done some research and that it not uncommon for this company that randomly pays property taxes on Reverse mortgages. I can attach proof of this for you. Please get this straightened out with the trust attorney ( after you look into the insurance regs, please ) that had the numbers when we had our settlement conference in court and I told him I did not think they were correct but he insisted. I feel like things should be correct before you start foreclosure proceedings. I knew they were not and this is what I kept trying to tell everyone but NOBODY wanted to listen to me. BTW, your monthly statements can not be considered a borrower 's notice of anything. Many of the ones I received you can barely read because the printer was out of ink and they are the most difficult to read statements I have ever received. Clear as mud.
Consumer complaint received 2022-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  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.
Consumer complaint received 2019-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: ERC (MA)

I decided to switch over to XXXX to get a better monthly plan and also was able to get a brand new XXXX XXXX but when I was there they just treating me as a quick sale didn't tell me anything about the phone 's especially about the back of the XXXX How It's Made of pretty much glass and we'll always shatter so they never told me that I should get a case immediately so I ended up cracking it the first day in two hours and it overheat and I told him, at XXXX in XXXX XXXX. all these problems I told her and they said they're bringing my phone, they had my old phone and then they have me for 2 hours there can I love doing a factory reset and took out all my pictures contacts videos over the last 12 years of my family friends people that are no longer with me pretty much told me oh well so after the service ran out I was all set with them and I'm still am and I'm looking to counter Sue because I have no way of getting those pictures back and I would like to know what I need to do for steps to actually Sue or  counter-sue and I would also like to see this dropped immediately it's just seems like no one 's caring about what happened to me
Consumer complaint received 2021-02-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (NH)

AmeriSave Mortgage Corporation, NMLS ID # XXXX During a refinance application, this company inserted an origination fee in the final closing disclosure of the process, shortly before closing date without any clarification or notice of this fee being added. I sought for an explanation for 2 different representatives no less than 3 times, and received no response. Despite this, the company continued to push me for more documentation to complete the closing process. I cancelled the application with the company as I refuse to do business with an intentionally deceptive company. 

It is clear to me that their intention was to slide in a fee that I had previously said I did not want at the last minute in the hopes that I wouldn't notice or complain.
Consumer complaint received 2019-09-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WRJ Holdings, LLC (GA)

I applied for the loan XX/XX/2019 my bank held the check to clear which took 15 days but the first payment was due XX/XX/XXXX my second payment was due XX/XX/XXXX and began to have money problem I asked for a extension I was going to double up but they refuse so today they repos my car it has been a month and they transferred the title taking my name off. 
Happy birthday to me today First American title lending of Georgia XXXX XXXX repo my car because I missed a {$120.00} payment from a {$1000.00} loan yes I missed but they have no mercy it was 17 late stay away do not give up your title WARNING STAY AWAY
Consumer complaint received 2018-03-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (TX)

I am writing in regards to a collection account in the amount of {$270.00} that has been placed on my credit report by this CA that I HAVE NO knowledge of. There is no signed contract between this company and I and demand it to be removed immediately. It is also a HIPPA violation if they have unknowingly accessed any of my medical records to fraudulently have this account added to my credit report.
Consumer complaint received 2021-02-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MA)

Paypal has refused to close a business account I opened for a business I did not end up starting in 2014. They are requesting bank documents from the business that are no longer available and making it unnecessarily difficult to close the account at my request.
Consumer complaint received 2019-04-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (NM)

Diversified consultant XXXX is reporting on my credit and I have never received anything from them. I do not owe XXXX anyways because back then we got XXXX & we paid our final bills. I don't even know what this is for and the last time we had sprint was well over 4 years ago so this debt is past the statute of limitations also. 
XXXX should have no charges for me under the XXXX.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I contacted the credit bureaus and asked them to provided information on the bankruptcy on my account. They responded saying that they received the information from the bankruptcy court saying that they reported it. I then sent a letter to the bankruptcy court asking if they responding to a letter from, they bureaus and their response was they don't report any information to anyone. I sent them a letter with the response and a letter of demand, and it still wasn't removed.
Consumer complaint received 2022-03-09
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: Experian Information Solutions Inc. (NC)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-04-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (IN)

I opened an account with chase bank on XXXX and used a code for XXXX bonus. I called to follow up on XX/XX/XXXX about the terms and was told everything was on the account and once I made XXXX direct deposit the bonus would be paid out in 10 days. As of XXXX I had made the required deposits and was told my account never had the coupon code applied and it was past the 21 days to do so, so no bonus would be paid.
Consumer complaint received 2023-02-15
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. (AL)

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report : XXXX XXXX XXXX Acct # XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of the ability with maximum accuracy. 

I contacted " XXXX and Equifax " asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 


Thank you, XXXX XXXX XXXX
Consumer complaint received 2019-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc. (GA)

Last year in XXXX of 2018 a collection account was placed on my credit report from a company named RS Clark & Associates. After communicating with this company that this debt was false and should be removed immediately I was met with silence. The company has not removed the collection account or furnished any proof that this is a legitimate claim of a debt that I owe to this company. I have also contacted the XXXX concerning this matter for the company to respond and they have yet to respond after XXXX days.
Consumer complaint received 2019-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (RI)

USAA has had around {$5000.00} of my funds on either hold or just missing. On XX/XX/XXXX I made a check deposit from one of my accounts to another one held by usaa. They then proceeded to put a 7 business day hold on my funds. I was never informed of why, and the time-frame was only disclosed after I called in to look into this. USAA also received $ 1400+ from my XXXX XXXX XXXX mortgage account for home owners insurance on XX/XX/XXXX -this was a wire from XXXX XXXX XXXX . USAA told me they never received these funds and I was left wondering where they were. XXXX  XXXX XXXX confirmed the wire and as of today XX/XX/XXXX USAA has no idea when I will be receiving these funds. It is entirely unacceptable for them to have this much of my money on hold or missing for no apparent reason. As someone who works in banking a 7 business day hold is unheard of. I also do not appreciate USAA 's agent telling me that writing a check to myself is " illegal '' and this is 100 % not true at all. 

I feel this practices combined represent a severe and material violation of Regulation CC, UDAAP, as potentially RESPA.
Consumer complaint received 2018-03-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Meridian ARG Inc. (CT)

Called repeatedly, told them to stop calling they do not have the right number. They some how got my home phone number and call at all hours. I have spoken with them many times to tell them to stop harassing me. I have recorded the phone calls that I have asking them to stop. I have a lot of messages from them. On my house phone and my cell phone. Sometimes they call up to 10 times a day. I will get a lawyer and proceed with legal action if they do not stop harassing me.
Consumer complaint received 2019-04-03
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. (PA)

I have contacted both XXXX XXXX and XXXX XXXX about credit inquiries which I did not initiate. 
Both companies assured me they would correct these inaccuracies. in reviewing my credit reports with XXXX amd Eqifax none of the companies involved have done so. 
XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX I have NOT applied for credit for over two years
Consumer complaint received 2022-09-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (CA)

I took this loan to study XXXX XXXX  after I retired from teaching. I needed to have something to do in my retirement. After a year into the program, I realized that I may not b able to repay this loan if I continued with the program. So, I dropped out of the program and started to repay the loan already taken. 
Now, with the loan forgiveness program, I would like the remaining of my loan to be forgiven.
Consumer complaint received 2022-09-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Gurstel Law Firm, P.C. (AZ)

2 months ago i was served well my son was left paperwork from gurstel law and he was questions and asked personal information as to who lived here and now todayXXXX i get a letter with my husbands name on a debt when this supposed debt i was not with my husband and they have my sons last name which my son never gave to him he is a minor and i feel harassed as well my husband with his information and my son being questioned this is against the law because a officer cant even question a minor if an adult is not present.they are sending em letters that i have a lawsuit in court and can be sued when i already tried to resolve this and they did not accept
Consumer complaint received 2022-05-04
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. (TX)

XXXX accordance with the Fair Credit Reporting act XXXX  Account Name XXXX XXXX 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 2023-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

Webster Bank has recently changed the way that their online bill pay system operates. 

When paying a bill to a recipient that does not accept digital payments, the bank mails a check to the recipient. Upon the estimated delivery date of the mailed check, the bank automatically withdraws the funds from your account. There is no way to tell if the recipient actually " cashed '' the check. 

-If the recipient never cashes the check, the funds are already missing from your account. 
-If the check is lost in the mail, the funds are already missing from your account. 
-Cashed check images that are sent via online bill pay are no longer shown on your monthly statement. 

Money is missing from your account that could have never made it into the pockets of the recipient. If the check is never cashed by the recipient, will the bank ever disclose this to you? Will they refund the money that they withdrew from your account? 

I've called Webster Bank, sent messages via their online portal, and spoke with someone at a local branch : not one person could give me a clear answer, it seems that no one understands as to how this new bill pay system functions.
Consumer complaint received 2019-04-03
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACCESS GROUP INC. (IL)

I received a letter from XXXX XXXX XXXX dated XX/XX/2019 concerning a balance owing with Access Group Inc . 

This debt was previously placed with XXXX and I never received any notification that XXXX is no longer servicing the account. I have tried to reach out to XXXX and they are no longer taking calls. 

On XX/XX/2019 I spoke with XXXX XXXX with XXXX and after all disclosures I told him that I wanted to start making payments but would need some written documentation confirming that they are in fact the servicer of the loan, that the account is no longer placed with XXXX and that XXXX XXXX has given them permission to service the loan. 

My request was met with significant pushback from Mr. XXXX. He told me that the letter I received - the Dunning letter - was verification enough and that I should call Access Group. I explained to him that I am well aware of my rights and I am entitled to have this debt verified and have proof that they have authority to service this debt. XXXX started to interrupt me as I was talking and told me that he is in the position to know far more about what his job is than me. I told him that I don't appreciate his tone or that he is being argumentative with is request and asked to speak with his manager. I was told that that the manager - XXXX XXXX is unavailable. 

My complaint is two fold, the abusive and argumentative nature of Mr. XXXX is unacceptable. I have a debt, but I am still human and should be treated as such. Second, receiving push back for requesting proof that XXXX has authority to service the debt from Access Group is in direct  violation of the FDCPA.
Consumer complaint received 2018-08-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (WI)

The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX Account Number : XXXX Creditor : XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.