davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

On XX/XX/XXXX I received a collection notice from XXXX XXXX XXXX claiming I owe {$36.00} to XXXX XXXX XXXX company. On XX/XX/XXXX I called the debt collector and made them aware that I never signed to renew a renters insurance. That in XXXX of the prior year I paid in full for a year insurance policy and it expired the end of XXXX, without me signing up for a new policy. The rep from XXXX told me I had made a payment of around {$140.00} of XXXX of this year. To make an Argument that I renewed. I made It clear I didnt do any such thing. And requested prove of debt. 
On XXXX the XXXX of XXXX I called and spoke with an XXXX agent @ XXXX  XXXX XXXX who managed this insurance for XXXX XXXX and let her know about the issue. She said my card that was on file was automatically billed in XXXX and the bank declined it. I made it clear that I did not want to reinstall as she wanted me to that I did not renew. 
On XX/XX/XXXX I received from XXXX what was supposed to be prove of debt. What I received was a bill for {$36.00}. I call CCS credit collection at around XXXX XXXX to try to explain that I need prove of debt. That I can write a bill right now and send it to whoever I want it doesnt make it a debt owed. I asked for papers showing consent to automatically renew my policy or papers showing that signed to renew my policy.which would prove debt. She argued with me stating the bill is all the prove they need to continue collections. Then hung up on me. 
I would like to be clear that I never even knew that XXXX XXXX  billed my card in XXXX until I received my collection notice!!! 
A collection shows up on my credit report. To be sent to collections without prior notice is immoral. To continue to be collected on without proving any prove other than XXXXXXXX XXXX  says I owe it is illegal as far as I know. 
What XXXX  and XXXX XXXX are doing in my opinion are forcing people to pay debts without prove of debt to save their credit. 
This {$36.00} will be probably be paid by me to save further damage to my report. And will probably cause massive time and effort to remove what may have already been placed on my credit. No matter the amount of debt a person has the right to see actual prove of debt before being taken to a collection agency and after being taken to one it is no longer that they deserve it, it is the law to proved prove of debt before forcing people to pay it, or ruining their credit. 

XXXX XXXX phone XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX
Consumer complaint received 2021-05-24
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. (CA)

I recently bought all three of my credit reports to find out Im a victim of identity fraud. I reached out to Equifax and sent them all my documents and they still refuse to remove these fraud accounts. I need the CFPB to step in and over see these
Consumer complaint received 2019-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

I am a veteran who was being treated at the XXXX XXXX XXXX XXXX in XXXX, Massachusetts ; the VA found it necessary to transfer me to a private hospital. The VA called XXXX XXXX XXXX , XXXX. to transport me to XXXX XXXX in XXXX, less than 4 miles away I will add, and apparently XXXX charged {$4300.00} for that ride ( I ought to challenge the outrageous bill as well, as no medical services were rendered, merely a 3.7 mile ride ). The VA covered my hospital stay, and should have covered my ambulance ride. XXXX XXXX XXXX ought to have billed the Dept. of Veterans Affairs ; notwithstanding, the VA is responsible for this bill, not me. 
Meanwhile, it has gone into Collections via XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX, MA XXXX USA for {$4300.00}.
Consumer complaint received 2020-12-05
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. (NV)

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( Experian, XXXX  and XXXX  XXXX on XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received by Experian, XXXX  and XXXX  I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been almost 6 months from my first written request and over 3 months since my second written request and I still have not received any responses.
Consumer complaint received 2017-12-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (IL)

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX XX/XX/2017 MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX RE : Account # Unknown To Whom It May Concern : This complaint is being filed against your company you due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX  } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any  negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2024-05-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (GA)

On Saturday XX/XX/2024 at XXXX, my Chime banking account was abruptly closed. I called the customer service number multiple times about the issue and was repeatedly told the same thing, which was that my account was closed for some kind of terms violation but they refused to tell me what this supposed violation was. I requested the {$200.00} balance be returned to me and was told that my account was ineligible for a refund. Every time I tried to push the issue and ask more questions, the call would be abruptly ended.
Consumer complaint received 2021-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivable Management Group, Inc. (GA) (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The XXXX Credit Bureau is reporting inaccurate information on RECEIVABLE MANAGEMENT GROUP ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 
RECEIVABLE MANAGEMENT GROUP ***** Opened XX/XX/XXXX Balance {$180.00}
Consumer complaint received 2021-05-24
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Scheer, Green & Burke L.P.A. (MS)

This is the second complaint I have filed. First complaint number XXXX. The company refuses to send me any additional information regarding the debt. I have called more than 40 times and left voicemails requesting contact. The company has refused to contact me back or send any additional information regarding the debt. I have also submitted a formal complaint with my health care insurance company. This company simply is refusing to verify debt and has added the debit to my credit report without the ability to resolve or verify the debt. The lack of communication and willingness to respond to various complaints via XXXX, XXXX XXXX, and now Consumer Financial Bureau is appalling. Over the course of 3 months I have tried to get more information with no luck.
Consumer complaint received 2019-06-09
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. (FL)

Multiple inaccurate accounts are reporting on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2018-10-02
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: BMW Financial Services NA, LLC (CO)

I have disputes the accuracies of the reporting for both accounts I have with this company. I sent dispute letters XXXX XXXX,2018/ XXXX XXXX2018,  XXXX XXXX 2018 and XX/XX/ 2018. All of which I still havent received a response. This is way past the 30 days the company has to respond
Consumer complaint received 2019-06-09
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo continues to claim that they hold an existing mortgage on my property, I DENY THESE CLAIMS. Therer is no validity to the " so-called- NOTE they are trying to sell as legitimate./ Wells Fargo 's Mortgage Department states that these documents meets none of the requirements of a Mortgage note. Wells Fargo 's claims that they sent a copy of all of these documents of the guidelines of a Mortgage note is not true. The documents sents were not consistent, for example the claimed note is not legible and require a magnifying glass to read of which reveals inconsistent dates, claims, documents that belongs to other properties, incorrect address, cut and paste " LONE. '' signature. Failure to notarize or date, If this is the way that Wells Fargo admits doing business, then they need to be put out of business. This is Fraudulent monkey business. 
I requested the complete files, escrow, title, closing statements, truth in lending, Amortization schedule, RESPA, ETC, requirement, the complete package dating back to XX/XX/2006, without pause or or documents that can not be reasonably applied to any loan claim. Also under what guise or rules do they presume to claim a valid Loan date without a signature. I DENY A LOAN WITH WELLS FARGO, THE LOAN APPLICATION AND OTHER DOCUMENTS DISPLAYS MISSTATED INFORMATION AND BY THE WAY, I AM NOT XXXX AND A SENIOR CITIZEN BEYOND THE AGE NOT QUALIFIED FOR A LOAN. STOP THE BLEEDING.
Consumer complaint received 2019-06-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

We're based down here in XXXX and used the online service XXXX through Bank of America to do a money transfer to another party who claimed they had tickets. The amount was for {$110.00}. 

We felt comfortable using XXXX, because it was done through the Bank of America system, like any other safe wire transfer. No where on the site does it state it's unsafe, especially against fraud. 

The person didn't send over the tickets and we ultimately got scammed out of the amount. When I called Bank of America, they said there was nothing they could do. And XXXX doesn't do refunds. 

The fraud policy is more ore less hidden when it comes to XXXX transfers on Bank of America 's site, in addition to XXXX. We were unaware we weren't protected.
Consumer complaint received 2021-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I made an online purchase at XXXX using my store card on XX/XX/2019 and subsequently returned some items from the order within the same month. The balance on my card was not updated correctly to reflect the return and interest was applied to the amount of the returned item. That amount was not paid because I contested it with the credit card company and later a penalty was applied for not paying the interest. They inevitably reversed the amounts when they looked into the charges meanwhile they reported my payment history as 60+ days late in XX/XX/2019 and reduced my credit line. First of all it is impossible to be 60+ days late when not even 60 days could transpire between the purchase date and the month of their reporting. Second of all I was never late as the amount was never owed. Several attempts to resolve with the company have yielded zero results.
Consumer complaint received 2019-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC (NY)

I XXXX XXXX is writing this letter to dispute a charge on my credit report. On XX/XX/2019 I allowed Source Receivables Management to charge XXXX from my XXXX XXXX XXXX account. Making this payment my XXXX account was supposed to be settled. Closed out. Source Receivables Management sent me a letter of confirmation. Two months later I noticed they placed this account back on as open. I phoned Source Receivables Management and they stated they never received the money. That I called my bank and told them not to pay the XXXX. This is not true. Source Receivables Management was paid and I requested a letter of proof from my bank. This letter is enclosed.
Consumer complaint received 2019-06-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My Credit Report from TransUnion shows a Collection Account for {$240.00}, via a Collection Agency ( Collection - XXXX XXXX XXXX, XXXX . XXXX - XXXX, TX XXXX USA ), however the original creditor XXXX was paid {$240.00}, and the debt was settled. TransUnion was informed of this via their dispute file number : XXXX. Their response was " Verified As Accurate - It looks like this item is actually correct and that it's going to stay on your credit report '' and " Account information disputed by consumer, meets FCRA requirements ''. Again, the debt was paid. XXXX has removed it.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-06-09
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. (FL)

Inaccurate accounts are reporting on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-17
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: Byrider Franchising, LLC (IL)

My rights as a consumer are being violated by the cooperation CNAC-M105. When entering this consumer credit transaction, I found many issues with this companys policies and procedures. Ive filed many complaints, but this company is not complying with what I am requesting. As a consumer I have the right to opt out of my personal information to be shared with any third parties, those third parties will include XXXX, XXXX, and XXXX. Per the Gramm-Leach-Bliley act it should have been made CLEAR AND CONSPICUOUS that I had the option to opt out of sharing my personal information. Yes, in the credit application it states that my information will be shared, but where was it made clear that I had the option to opt out of this? As a consumer I have a right to privacy. Also, I understand that it is CNAC-M105s responsibility to send out a yearly updated privacy notice, please confirm those have been sent over to me. This company claims that since the credit application stated that they report to the credit reporting agencies, that should suffice as a disclosure, but that is not enough, that is not federal following federal law. 

This corporation has also explained that this is a charged off account. I recently sat down with my tax accountant, and he explained that since I did not report this debt as income, I now have a chance of being audited by the IRS. I havent been able to sleep, and I am very anxious about being audited and being levied tax penalties due to CNAC-M105s unconscionable conduct by not sending the required 1099C form and attempting to collect a debt that has been cancelled. You are violating federal law ; I demand that this account is deleted from all consumer reports immediately. This will be my final attempt to resolve this matter before I must escalate this claim to higher government authorities.
Consumer complaint received 2018-07-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

Good Morning, I take pride in my credit and I value it very much. I have been trying to contact XXXX and Equifax with regards to reporting a late payment from XX/XX/XXXX on this account XXXX/XXXX and XXXX XXXX XXXX the big issue is that they are lying about verifying the late payment when the company is out of business and has been for quite some time. These credit bureaus need to do their jobs and actually contact the company and verify what complaint/dispute is being made. This account has been closed out since XX/XX/XXXX and I have been trying to get this falsely 30 day late payment removed from this account and it still has a negative reporting on my credit profile. All I want is for them to do their job and get these 30 day late payments removed from my credit report as soon as possible. They are always saying that it was verified when they are not even contacting the company. 

Kind Regard, XXXX XXXX
Consumer complaint received 2018-07-25
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: WAKEFIELD & ASSOCIATES, INC. (CO)

During XX/XX/XXXX I made payments on two different medical collection items., {$540.00} and {$640.00}, held by the collection agency Wakefield and Associates . These items were a result of claim disputes with a medical insurance company.The claims were finally settled/ paid and the items were paid directly to Wakefield with the understanding the items would be eliminated from all three credit reporting agencies. To date Wakefield has refused demands to eliminate the derogatory information from my credit. Wakefield is violating the law under FCRA XX/XX/XXXX. 
I want Wakefield to eliminate any information at credit agencies on these items.
Consumer complaint received 2017-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (NV)

On XXXX/XXXX/XXXX my brother & I each applied for an individual XXXX XXXX XXXX card, sharing the same last name & address only, but different social security numbers. 
While the website displayed his reference to a decision later mailed at a later date, MY display instruction me to call telephone number XXXX with reference # XXXX, report code XXXX. On my first call the representative accused me of duplicate applications while I stated my brother & I shared last name & location only. 
She then determined an application denial based on excessive credit report inquiries, confirming merging our reports combining inquiries. Several phone calls later to the same advertised number, I 'm transferred to a " special department '' for credit decision that NEVER answers. The application merge & unwillingness to provide results from website phone number is a violation of both the Fair Credit Reporting Act & Consumer Financial Protection Bureau.