davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (MA)

Dear I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. 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.
Consumer complaint received 2021-04-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accounts Management, Inc (SD)

XXXX XXXX XXXX 's XXXX SD XXXX State T, XXXX SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX I received a letter that I owed {$130000.00} for a medical debt due to XXXX. The woman involved has same name as mine XXXX XXXX XXXX. I know this woman personally. I now know she has XXXX due to this bill being sent to me. 
I know now she had significant hospital bills. 
This happened from XXXX before where they charged me for a child that was not mine. All of my children were grown. 
I also had XXXX XXXX XXXX XXXX give me medical info on the XXXX XXXX this bill was for. He thought it was me and he actually argued with me that I was lying to him. XXXX XXXX SD many years ago. 
This is reoccurring hit to my credit, both of these companies have done this over and over again to me.
Consumer complaint received 2023-03-20
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

We accepted a COVID forbearance from XXXX XXXX XXXX in XXXX. We were never told about any second step -- meaning modification. XXXX told us the amount would be put on the back end of the loan. XXXX sold our loan to Nationstar, serviced by XXXX. 

In XX/XX/XXXX, we received a loan modification proposal from RightPath, and we did not request or have any prior discussions with RightPath. When we spoke with our then-agent, he said a loan modification never was done on our loan. This was the first we heard of any type of modification. I contacted XXXXXXXX XXXX  and an agent told me that XXXX XXXX XXXX claimed they modified the loan. We told the RightPath agent we wanted to research the modification issue. Recently, we received a letter from RightPath stating we had not completed a modification and with no mention of our conversation with the agent. We subsequently received a letter from a new agent for our account. 

We are very concerned that our account was mismanaged by XXXX and that XXXX may have sent inaccurate information to Nationstar as part of the sale of our loan. We have a payoff letter from XXXX last year that included all totals. The current balance shown on potential modification documents would negate a year 's worth of payments made by us. We are specifically concerned about the possible mismanagement of COVID-related monies on behalf of XXXX. 

We need absolute clarity on the issue and tried many, many times to get straight answers from XXXX to no avail. This issue has extended to Nationstar. We are prepared to hire legal assistance.
Consumer complaint received 2023-03-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Resolution Corporation (TX)

My XXXX doctor for the last four years billed the wrong insurance company ; then before they billed me, or called me, or talked to me when I had quarterly treatments at their office, turned me over to a collection agency. 

We called them and talked to three staff members in services, billing, and authorizations to explain the issue. They ignored us. 

I paid the whole bill out of pocket and will wait for them to bill the right insurance company so I can get reimbursed. People with less money that I have would not have this luxury. 

Both companies administration services are incompetent.
Consumer complaint received 2024-03-29
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Klarna AB (NC)

I purchased merchandise from XXXX XXXX and used Klarna to pay in XX/XX/2023. My installments were linked to my debit card ending in XXXX connected to my XXXX XXXX checking account. On XX/XX/2023 I returned the merchandise in store. I contacted Klarna several times after that date because my refund was not reflected on my payment plan AND Klarna was still holding me responsible for the balance of the purchase. Due to how the refund was processed my initial payment of {$360.00} was applied to other purchases I made using Klarna as my payment method but Klarna never XXXX 'd out the purchase and it is still showing as owed by me. Klarna has attempted to debit my account for this purchase and has charged me late fees and sent the balance to a collection agency who harasses me daily. I ask that Klarna contact the collection agency, reverse the charges and have them stop all collection attempts on this account. I am no longer responsible for the balance on this account. I returned the merchandise in store. I have always paid all past accounts with Klarna never having a problem until I returned merchandise for this purchase and others due to how their system processes returns. 

I also request my credit history not be affected by this bogus collection attempt.
Consumer complaint received 2023-01-18
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-11-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OR)

As a XXXX person, I use XXXX XXXX as my phone number as it does not make sense for me to pay extra for a cell phone that includes voice ( a service I would not use ). Some financial providers both require a phone number that is linked to a cell provider ( e.g., XXXX, XXXX, XXXX. ) and will not accept a XXXX XXXX number. Recently, Paypal decided to stop accepting XXXX XXXX as a valid number and will no longer let me make purchases. They are requiring that I use a " valid '' phone number ( e.g., XXXX linked to XXXX, XXXX, XXXX. ). This discriminates against XXXX people who use a XXXX XXXX number as they do not have a need for a regular cell phone subscription.
Consumer complaint received 2018-05-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SUNTRUST BANKS, INC. (DC)

There was a promotion where clients opening a signature advantage checking account before XX/XX/XXXX ( today ) would get a {$500.00} bonus using the promotion code XXXX. However, once trying it, the site said the promotion had expired, even though it was still running through the end of XXXX.
Consumer complaint received 2023-03-20
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. (OH)

According to multiple credit reporting agencies, it is claimed that I opened a line of credit with XXXX XXXX XXXX XX/XX/2023 and multiple charges were made in the total of {$650.00}. I disputed this account, and XXXX claims that they verified that this account belongs to me and sent me their report on XX/XX/2023. I continue to assert that this account was never opened by me.
Consumer complaint received 2023-03-20
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: Experian Information Solutions Inc. (IL)

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.
Consumer complaint received 2021-04-19
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MA)

Hey its been a year since I've tried disputing these fraudulent student loans. I have been harass many times for some loans that I am not aware of! I feel threaten for my life! I do not want to be pressure in paying for something that I dont know about. The only response I get that its been verified. I want to know who verified it? I need to see signatures that I borrowed loans from these people. Because I never did business with them. Please remove these loans! By law if there is no proof of verification the items most be remove. Stop harassing me for something I dont owe.
Consumer complaint received 2023-03-20
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. (OH)

According to multiple credit reporting agencies, it is claimed that I opened a line of credit with XXXX XXXX XXXX XX/XX/2023 and multiple charges were made in the total of {$650.00}. I disputed this account, and Equifax claims that they verified that this account belongs to me and sent me their report on XX/XX/2023. I continue to assert that this account was never opened by me.
Consumer complaint received 2019-04-25
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. (FL)

I am convinced that Equifax does not read disputes or truly investigate. They just send the same old generic responses. Attached is documentation that XXXX XXXX XXXX XXXX has placed incorrect information on my credit report. The date of 1st delinquency is incorrect and the company is reporting it incorrectly on purpose so that they can leave the information on my credit report longer than the 7 years they allowed to by law. I have attached a detailed bill. Please see the 1st date of delinquency and get this off of my report please. 


They also have an account listed from XXXX XXXX XXXX and they keep saying we confirmed this is your bill. This is NOT my bill. My daughter is XXXX XXXX XXXX. She went to the dentist. NOT me. I am the person that pays for the insurance premiums but that does not legally make me the guarantor or legally responsible for her bill. This is not my bill. Those are not my teeth!!! But Equifax sends a generic response saying it's been confirmed as my responsibility. HOW?!!! 

Thanks.
Consumer complaint received 2023-03-20
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. (MI)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX Bankruptcy : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Business Bureau (IL)

DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A ALLEGED DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE CONNECTING ME TO THE DEBT. ALSO I NEVER SIGNED A HIPPA REQUEST FORM SO THEY ARE VIOLATING MY HIPPA RIGHTS REPORTING THIS ALLEGED MEDICAL DEBT TO MY CONSUMER REPORTS.
Consumer complaint received 2019-09-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

To Whom it May Concern- As part of my divorce settlement on ( date ) I took a HELOC with Bank of America in the amount of {$45000.00}. 
In XX/XX/XXXX my current wife became sick and was diagnosed with XXXX XXXX XXXX XXXX XXXX, I got laid off after working at a company for 14 years. As a result of her diagnosis she was no longer able to work and was eventually placed in XXXX care. I got another job making less that I was making, I've always prided myself with paying my bills on time so as the stress and financial strain got worse I requested a modification but BOA refused. It was very difficult but I continued to make my payments every month and I continued to ask for a modifications but I was continually denied. Finally in XX/XX/XXXX the financial burden was too great and I could no longer keep up the payments on the HELOC. Eventually I received notification that the HELOC had been charged off but recently I was served a summons from BOA. They are suing for the balance owed. I am writing to you as I do not believe that BOA acted in good faith. I expressed to the bank that I was in an extreme hardship but they would not work with me and to add insult to injury they are suing me? My wife has been in and out of treatment since XX/XX/XXXX and is currently about to do yet another round of XXXX. We are both exhausted and desperate and need any help that you can provide.
Consumer complaint received 2019-07-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (KY)

This loan company has overcharged me for a short term payday loan. They are now saying a owe them money in the amount of XXXX and I believe with all the fees and everything they have overcharged me.
Consumer complaint received 2019-07-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CO)

My mortgage was taken over by Flagstar Bank in XX/XX/2019. They sent a letter that they needed my insurance information or they would purchase homeowner 's insurance on my behalf. I uploaded a copy of my insurance information numerous times and yet they kept saying they didn't have it despite paying my premium on XX/XX/19 in the amount of {$300.00}. I continued to call and was told they didn't have the insurance information even though they'd paid the premium and I sent more copies of my insurance. I was then told in XX/XX/2019 that they did have my homeowner 's insurance but they needed my XXXX   insurance, which I provided numerous times on their website as instructed. Still I'd call weekly and they said they didn't have it, I gave them the name of my XXXX  and the insurance carrier on 2 different episodes, was put on hold while they called them, told me they did speak to someone at the XXXX and insurance carrier and that proof was being faxed and my account would be reimbursed the {$290.00} they'd charged for insurance I did NOT need. I continue to call and am told they don't have it and they'll call me when they get it, but they do not. Today, I spoke to a " supervisor '' XXXX and was told they received it on XX/XX/19 and it " usually '' takes 3-6 business days to " process '' it and refund my account. Today is the 6th business day and still I have not had my account reimbursed for the {$290.00}.
Consumer complaint received 2024-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (MA)

I am a victim of fraud and my account was used without my knowledge by ( cashapp ) who bank is XXXX XXXX  to withdrawal and purchase items online from my account i reported this and was told no one would be able to help me with this matter and was hung up on. If this matter is not resolved then i would be forced to take legal action against company. 

Cashapp XXXX XXXX
Consumer complaint received 2020-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (FL)

I scheduled my payment with the automated system multiple times but it disappears before posting. Same system as always, just not posting any payments. Very convenient time of year for their system to suddenly stop posting payments when credit balances are probably maxing out.
Consumer complaint received 2019-09-19
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. (FL)

My personal information had been stolen and account had been open in my name, I have been a victim in recent and passed data beaches, I had file an id theft report with the FTC, and I'm requesting these information to be block from my credit file.
Consumer complaint received 2024-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (PA)

This complain is about JP morgan, who did not ID the person cashing the check nor they have any XXXX footage. 

A scammer got the hold of a check one  of the accounts belonging to XXXX XXXX XXXX XXXX. That person went and cashed the check at Jp Morgan and chase. On XX/XX/XXXX ( date cashed ) XXXX. XXXX  was going through health crisis due to XXXX and did not receive bank statement for that month. Sometime later, during the medical billing process, XXXX XXXXXXXX XXXX XXXX XXXXXXXX discovered that there was fraud committed on XXXX XXXX 's account. Next day, we filed police complaint and also complaint at the bank. This was in XX/XX/XXXX, so the XXXX XXXX XXXX XXXX  stated that because it has been XXXX they are unable to refund the money back to our account. The branch manager recommended to keep pushing it to the cooperate ladder to see if they can reconsider due to health crisis going when the fraud occurred. The bank stated that they still can not refund the money and see if the police can help. The police did the investigation and they stated that JP Morgan is the place the where the check was cashed by the scammer. However, JP Morgan did not check their ID nor have any security footage of the person. In the email on XX/XX/XXXX detective XXXX XXXX stated that XXXX XXXX was not found in public record, but over the phone call they informed me that they had located the person whose name is on the check, but they can not arrest her as there is no proof from JP Morgan bank. On the phone call detective XXXX XXXX on XX/XX/XXXX stated that XXXX XXXX is a college student living in XXXX, but they can not arrest her as JP morgan did not ID the person nor have XXXX footage. We have tried different ways to get XXXX XXXX XXXX XXXX the amount ( {$3900.00} ) back, but no success. Please help.
Consumer complaint received 2018-05-01
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)

TransUnion flagged my account with " XXXXSerious Delinquency '', when I do not have any accounts late and never had. 

Credit Report from TransUnion shows all payments paid on time and none ever late, but in spite of it my account has a " serious Delinquency '' flag.
Consumer complaint received 2018-05-01
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

From outset of lease in XX/XX/XXXX, we repeatedly tried to have XXXX XXXX debit our account for the monthly lease payment. In XX/XX/XXXX, we sent XXXX the appropriate form to complete the transaction. Later we were told that this had been processed. As an elderly couple that occasionally travel, we assumed the matter was settled. Instead when we arrived home in early XXXX, we had been billed double the lease payment plus late fee. This indicated XXXX had not drafted our account. Promptly we paid their invoice and again went through the troubles of setting up this drafting. 

Driving 50 mile round trip to the XXXX facility in XXXX from where we had leased the car, the financial officer instructed us to again complete and file a draft authorization. Meanwhile XXXX notified us that we had to pay 100 % of the remaining lease immediately. 

Although the matter was finally settled, XXXX reported this to the credit bureau with the result that our good credit rating was adversely affect. I wrote to XXXX appealing this unjust treatment only to receive a reply from them refusing our appeal.