davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-27
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: Medical Data Systems, Inc. (NC)

So I have on my credit report a health care bill for XXXX now I have insurance that should have covered the majority if not all and my information has been sold to this 3rd party company medical data system Inc without my permission I did not authorize them to have my information nor did I give it in writing that I gave them permission. And I know that they bought it from them so legally my debt has been paid by them so I no longer have this debt. They are just trying to get their money back that they have paid for my debt with. If they can not provide the legal proof that I did, I would like them to remove it from my credit report immediately.
Consumer complaint received 2021-12-15
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: NAVY FEDERAL CREDIT UNION (GA)

This account is not mine. The name of company is XXXX XXXX and this account was opened on XX/XX/XXXX. I am a victim of identity fraud and I have spoke with both creditor and credit bureaus about this account and it has been removed from all three bureaus but has been put back on my XXXX only. I requested for more information pertaining to this account from both creditor and credit bureaus and nothing has been sent in over 90 days. 

Navy federal credit Union was opened XX/XX/XXXX and its reporting inaccurate/incorrect information pertaining to late payments and I requested for proof by creditor and credit bureaus and both told me they cant provide further information.
Consumer complaint received 2019-08-06
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC (PA)

Repeatedly told them to not contact. They refused to listen unless I offer them my identity. Why would I give you my information when you call me from 500 different phone numbers, 17 times in 22 minutes. I've been threatened, screamed at, hung up on, and the calling for 1 ring and hanging up is getting old. I am not the person you're calling about and you illegally harass me because I won't tell you who I am? I'm in contact with a lawyer that is handling a mass suit against your companies illegal practices.
Consumer complaint received 2021-12-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

On XX/XX/2021, 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 2021-12-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Atlanticus Services Corporation (IL)

I have an Aspire credit card. An automatic payment was scheduled and processed through my account without my authorization, reversed as I didn't know it was processing, and I was charged the reversal fee. I called the company only to be informed that I was somehow set-up for automatic payments. I do not recall setting up auto-pay because I make regular payments to avoid interest as much as possible. There is a history of automatic debits on my account from past statements and I had no previous knowledge of these transactions. The representative said I set-up auto-pay in XXXX, 2021 yet from my XXXXXXXX XXXX  statement there is an auto-pay debit. Thus I don't know if I was overcharged and credited for the overages. The company representatives aren't well informed, my account transactions online and in-app are very few making it difficult to control/monitor spending. My trust for this company is waning. Their internal investigator kept asking me identifying question instead helping me with this specific issue. I could not get a straight answer from anyone as to what is really going. I was transferred to XXXX different people, hung up on twice, everyone seemed to not want to solve this issue. Meanwhile, I have a credit balance with a company I do not trust. My plan is to cancel this card but before then I need this to be look at because there is something not quite right with Aspire.
Consumer complaint received 2021-12-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

On XX/XX/2021, 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 Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of Fort Walton Beach, Inc (FL)

The XXXX XXXX is still reflecting on all XXXX credit reports. The debt was paid directly to original lender and not the collection agency. Therefore, the collection agency should remove from my report as the bill was paid.
Consumer complaint received 2021-08-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (GA)

I received correspondence about a debt that was not mine on XX/XX/2021. 
Linebarger Goggan Blair and Sampson, LLP stated that I owed a debt and used language that was oppressive and abusive in this correspondence. 
On XX/XX/2021, I sent correspondence to Linebarger Goggan Blair and Sampson, LLP which included : - an affidavit or truth - cease and desist - debt validation letter - invoice for {$5000.00} for violating my rights under the FDCPA. 
15 usc 1692e ( 3 ) for false and misleading representation. 
15 usc 1692e ( 5 ) for false and misleading representation. 
15 usc 1692e ( 9 ) for false and misleading representation. 
15 usc 1692d ( 2 ) x 2 for using obscene and profane language with the intent to abuse and harass me Linebarger Goggan Blair and Sampson, LLP received my correspondence on XX/XX/2021. 
Linebarger Goggan Blair and Sampson, LLP responded to my correspondence on XX/XX/2021 by providing false and misleading documents and stating that the FDCPA did not apply to them. 
I responded to their correspondence on XX/XX/2021 with documentation proving that Linebarger Goggan Blair and Sampson, LLP was not exempt from the FDCPA like they alleged and stated that by them not rebutting my affidavit of truth with an affidavit of the truth of their own, they defaulted. 
I gave Linebarger Goggan Blair and Sampson, LLP an opportunity to cure by -honoring cease and desist -paying the original {$5000.00} invoice -XXXX  the balance of the alleged debt -deletion of alleged debt from all consumer files -a written apology On XX/XX/2021 at XXXX I received harassing and abusive communication that went on for 7 minutes and 30 seconds from the office of Linebarger Goggan Blair and Sampson, LLP . 
On XX/XX/2021, I sent an Linebarger Goggan Blair and Sampson, LLP correspondence that included : - a notarized affidavit of truth - cease and desist - invoice for {$30000.00} for violating my rights under the FDCPA - 15 usc 1692c ( c ) - {$1000.00} for violating cease and desist 15 usc 1692c ( c ) - 15 usc 1692d ( 5 ) - {$1000.00} for causing my phone to ring - 15 usc 1692c ( 1 ) - {$1000.00} for communicating with me at a time that was inconvenient - 15 usc 1692c ( 3 ) - {$1000.00} for communicating with me without the permission of my employer - 15 usc 1692e ( 5 ) - {$1000.00} for stating that communication is from an attorney - 15 usc 1692d ( 2 ) - {$1000.00} for using obscene, abusive and harassing language - 15 usc 1692d ( 5 ) - {$1000.00} for engaging in continuous phone conversations with the intent to harass, abuse and annoy me - {$23000.00} for the XXXX  that was caused by abusive debt collection practices.
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX at XXXX XXXX and on XX/XX/XXXX at XXXX I received 2 text messages on my phone about my credit report being unlocked for 49 minutes! When I call the representative from Equifax He stated to me that they have no record of my credit report ever being unlocked! If you view the screenshot below You will see the to text messages that I received from Equifax on my phone stating that my account was on unlocked for 49 min then locked back at XXXX XXXX! I will take Legal action unless Equifax Can reach a settlement agreement! I feel this will be fair! Because no one should be allowed to access your credit report when it's locked.
Consumer complaint received 2022-03-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: GreenSky, LLC (GA)

My complaint is Greensky llc, the company the CFPB issued a consent order against.A failed waterproofing job by XXXX is my connection to Greensky. Installation XXXX, their work and eguipment failed ( sump pump ) XXXX weeks later someone came out, rep could not diagnose problem spent more time on phone with manager than speaking with me and my wife, never heard from again, I stopped making payments, when XXXX stopped working {$1500.00} so far. I never contacted XXXX again, I informed Greensky of situation I assumed they contacted contractor and they made a surprise service call after XXXX weeks, I did not allow them in because all faith loss in XXXX XXXX employees quit during my job including the initial rep that wrote the work order job knowing he had a new job or at least had applied, in a month he had quit company before my installation.Quoting from a class action law suit " Greensky is a rent a bank scheme giving the actual lending power to the contractor ", quoting " never take a loan with them they let the 3rd party business keep the money and you get your credit decimated, the 3rd party keeps the money for doing nothing ''. This is what I just experienced Greensky letting XXXX keep the money in my case for making situation worse. {$3000.00} spent on replacement supplies ( Sheetrock, molding, paint, insulation, labor etc. ) I do not not want my credit decimated.
Consumer complaint received 2019-08-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (CT)

i called southwest credit systems since they are reporting a balance owed from XXXX on an account closed in 2015. Southwest credit systems has never contacted me about this debt but have been reporting and damaging my credit for almost 2 years. they have an address from 2015 where they claimed they have been sending mail when I moved from that location in 2015. southwest has had more than one account for me so they had valid contact addresses before today. that is a tactic to state that they could not reach me when they are purposefully sending the communication to the wrong address also the gentleman I spoke to had my cell phone # because it is the same cell # I had when I had the account -- he actually asked me is that still a good # -- so they had it all along and they could have called to verify if by some strange chance they did not get the flipping memo. This company is using workarounds to report and damage peoples credit and they need to be stopped, I have rights that were violated by them not notifying me at the correct address and I do not recall EVER receiving a phone call from this agency. they need to make corrections to my credit report for not following the law.. also my address has been updated through the postmaster on my credit reports and public information if they bothered to check instead of sending correspondence to a 4 year old address -- and the balance is wrong
Consumer complaint received 2021-12-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC (OH)

We have two leasing contracts with XXXX leasing company. We have been trying to payoff this loan for two months now. Without any luck. They are rejecting our payment method. They only use automated or online ways to add a payment method and the system is rejecting our submission. There is not an option to payoff on our online account it only gives the payoff amount but it does not allow us to select to payoff the high interest loan. The customer service was of no help and when I asked to speak with a second supervisor he said he was the top supervisor and there was no one else that could help me. I feel like they are trapping me in this high interest lease to continue to extort payments at a high rate instead of allowing me to payoff the loan.
Consumer complaint received 2021-12-15
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: Experian Information Solutions Inc. (CA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party. I am the consumer, natural person and original creditor. Pursuant to 15 USC 1681b ( a ) I request the deletion of the following list of hard inquiries included as an attachment in this complaint. Pursuant to 15 USC 1681n ( a ) Experian is liable for damages due to non compliance and shall compensate me for {$1000.00} per inquiry.
Consumer complaint received 2021-12-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (WA)

I have an online and mobile banking account with Citibank for 5+ years. I have two active credit cards and 3 closed savings account that are linked to my online credentials. The credit cards have been active for multiple years. The 3 savings account were closed around XXXX 2021. I am able to view statements and manage payments to all 5 accounts up until XX/XX/2021. 

In XX/XX/2021, I am no longer able to access my online banking account including mobile banking. Every time I login, I am directed to an " Activate Your Card '' page. This is not due to an incorrect or invalid username or password. I have no cards to activate and I can not get past the card activation page to view any of my accounts. This is the same behavior observed on the Citi mobile app. 

Multiple citi representatives have confirmed that : 1. I was able to successfully login. Confirming that there are no issues with my login credentials.

2. They were able to verify that I have 5 accounts. ( 3 closed savings and 2 open credit cards ) No one has been able to offer a resolution to regain access to my accounts. Credit card department says issue is with my closed accounts. Banking department says the accounts are closed and they can not override the Activate Card page. 

The fundamental issue is a bug in their online banking system. Why am I being redirected to an Activate Card page when no cards have been sent to me to activate? Why should a closed account prevent me from seeing my active accounts? Why is this issue taking place now when no changes have been made to my account since XXXX 2021? 

I need access to my online account to : - Pay my current credit card balances- View and manage the two active credit cards - View banking statements for the three closed bank accounts - View 2021 tax documents for the three closed bank accounts I've called 3 times, talked to credit card department 3 times, transferred to tech support twice, transferred to banking department 3 times. No one has been able to resolve my issue and I am still not able to login to my account.
Consumer complaint received 2021-12-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BMO Bank, N.A. (IL)

I bought a vase for {$4.00} on XXXX XXXX, with {$5.00} for shipping. I received a notification that the seller by the alleged name XXXX XXXX, canceled the order. I did not receive a refund, so I contacted XXXX on messenger. She did not make sense, so I filed a claim with XXXX, which was immediately closed. XXXX said I had not been charged. According to my BMO Harris online app, there was a pending charge on XX/XX/XXXX for {$9.00}. The next day the record of my transaction disappeared, with no refund. I called customer service and they said they had no record of the transaction from either XXXX or XXXX. Someone had managed to wipe my bank data. Iwould like. a refund of {$9.00}.
Consumer complaint received 2018-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

The account below was deleted in XXXX and readded to my credit report in XXXX. I have attached when it was deleted and my fraud form I got from the bank. 


XXXX XXXXXXXX XXXX {$4100.00} Closed
Consumer complaint received 2022-03-28
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 2021-12-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

XXXX XXXX, the person Shellpoint employees to manipulate facts and omissions, gave a response in complaint XXXX that is a misrepresentation of the facts and truth. 

1 ) XXXX XXXX emailed me on XX/XX/2021, after XXXX XXXX reached out to him. XXXX XXXX said that my modification approval letter would be sent to me in a few days. However, instead of a modification approval letter, I got an offer to redo my trial plan that I succcessfully completed. 

2 ) XXXX XXXX claimed that his superiors overruled the approval letter and that he could not do anything about his superiors decisions not to offer a final modification. 

3 ) XXXX XXXX claims that though XXXX XXXX is my single point of contact there are other loss mitigation people involved. XXXX XXXX merely stated the obvious, without fulfilling my request. 

4 ) Shellpoint never identified who the superiors where with the authority to override XXXX XXXX. Thus, I do not have a single point of contact. In fact, it is even worse, because an unnamed person with no accountability can harassment limitlessly without consequences. 

5 ) XXXX XXXX contradicts XXXX XXXX by alleging that they are merely offering me the modification trial that XXXX XXXX approved instead of saying that XXXX XXXX 's superiors overruled the final modification approval letter. 

6 ) XXXX XXXX omits that XXXX XXXX contacted Shellpoint on XX/XX/2021 to ascertain why I am being asked by Shellpoint, not XXXX XXXX, to redo my trial modification in XXXX of 2021. I paid the statement and asked Shellpoint in a timely matter to clarify. XXXX sent me XXXX monthly statements stating my trial plan amount was XXXX dollars less than XXXX 's offer trial modification letter. I requested a response from XXXX about the discrepancy. XXXX never responded to me until over 60 days later when they were responding in a letter to CFPB. Then, there response was one of XXXX XXXX 's vile responses that they were informing me in that letter that my modification would not be finalized because I failed to make the required trial plan payments. Yet, XXXX XXXX omitted that I paid the amount expressly stated on my monthly statements for the trial modification and that Shellpoint refused to clarify for over 60 days. I completed my previous trial modification Shellpoint has refused to respond to XXXX XXXX investigators. Yet, Shellpoint if falsely communicating to CFPB that they are following XXXX XXXX 's authority. 

Now, XXXX XXXX wants to talk to Shellpoint about their duplicity. But, Shellpoint is misrepresenting facts with all agencies and will not respond XXXX XXXX about why I am redoing a trial modification that I successfully completed.
Consumer complaint received 2021-12-15
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 — Was not notified of investigation status or results
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

The company has not sent me any documentation whatsoever in relation to my dispute! This company is reporting incorrectly across the credit bureaus. High balance is showing incorrectly at {$0.00} and {$20000.00}, date of last activity is showing XX/XX/XXXX, XX/XX/XXXX, date of last payment. Per u.s code section 1681i ( 5 ) ( A ) treatment of inaccurate on unverifiable information. There has been no documentation and this list shows inaccurate reporting.
Consumer complaint received 2021-12-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2021, 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.