davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (CA)

XXXX XXXX XXXX XXXX sold my medical bill to two collection agencies. The agencies are XXXX XXXX XXXX XXXX, and Medical Data Systems. 
I resolved with XXXX XXXX paid on XX/XX/2020. XXXX reported on my credit report as negative status. As soon as i resolved with them, they took it out of my credit report. And now i have the other Medical Data Systems on the credit report. i filed a dispute and sent the Letter from XXXX to the dispute of XXXX  and XXXX, and XXXX, and it did nothing to remove the Medical data reporting. This is not fair for both to collect. i resolved and it should be final and the Medical data should remove it from all 3 agencies.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Midwest Loan Services, Inc. (FL)

I contacted Midwest Loan Services about my credit report. The reported status of my loan is incorrect. For one, l filed bankruptcy and the loan was never reaffirmed. So why is it still bring reported when they had previously halted reporting my credit to the credit bureaus. Then secondly, l was on forbearance and my payment was not due for the reported late payments reported to XXXX. I called last week about this and l am appalled at MLS because they are purposely doing this as l keep having problems which is ongoing. I want this corrected and my loan was not reaffirmed after my XXXX XXXX bankruptcy. They are in the wrong and l want this fixed. My credit already negative due to the bankruptcy and lm trying to rebound. Yet, MLS is not helping my situation as they are reporting in bad faith.
Consumer complaint received 2021-07-11
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. (MN)

My XXXX XXXX XXXX  Visa Credit Card : XXXX is lost/stolen. All of the transactions listed from XX/XX/2021 to XX/XX/2021 for {$400.00} is all fraudulent charges and transactions. My card is lost/stolen with fraudulent transactions.
Consumer complaint received 2021-02-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WATERMARK CAPITAL, INC. (CA)

On XX/XX/2021 I applied for a refinance mortgage with Watermark Home Loans. Aside from the initial contact stating they received my application, I didn't hear back from them and never received a loan estimate ( required to be sent within 3 business days ).
Consumer complaint received 2020-09-05
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. (NV)

I will keep this short since I have SEVERAL COMPLAINTS filed without a resolution. 
Equifax has had several Security Breaches and my Personal Information has been stolen for 3 years in a row. 
In XXXX, XXXX, and XXXX My Social Security Number, Date of Birth, Addresses, and emails were all found on the XXXX XXXX 
Equifax Never Notified me of any of their BREACHES. 
The other credit agencies notified me instead. 
I had a Fraud Alert and now I have an ACTIVE SECURITY FREEZE with a Pin. 
This would provide PROTECTION if these agencies weren't so RELAXED with their security. Each time I call these agencies like Equifax I am allowed to update my ADDRESS, EMAIL, AND PHONE NUMBER without being fully verified. 
Instead, I am asked questions that anyone on the XXXX XXXX can answer about me. 
I am 100 % ex/posed! 

Each time I ask why didn't you ask for my Pin, agents and supervisors say, " we don't have too anymore ''! 

I understand the system is broken and fixed for consumers to FAIL. 

But, how can I sit and watch my repaired credit get ruined again? 
Asking for a Pin code takes 3 seconds in the call. 
To not ask says, you have a HIDDEN AGENDA! 

ANY EXCUSE GIVEN ON ANY COMPLAINT I FILE, IS UNACCEPTABLE! 

I called today XX/XX/XXXX and spoke to agent " XXXX '' at XXXX XXXX  XXXX and disputed an error on my credit for at least an hour. We spoke a little about my credit and things that are on it. ALL WITHOUT GETTING MY PIN CODE ... 

They are refusing to keep consumer files and credit SECURE until they get sued. 
Maybe when they start being sued with they change that horrible rule back to asking for our PIN CODE. 
They don't want to ask, and they continue to have SECURITY BREACHES. 
This lack of concern and lack of security will come to a halt in court eventually and I look forward to it. 
I have spent MONEY paying Equifax for a Security Freeze XX/XX/XXXX, I have spent over 20 hours trying to secure my file, correct errors, file disputes, seek legal advice, and then some. That alone will be considered time Lost and Damages. 

I do hope my credit can be more secure and I hope I never have to experience my credit being ruined again. But, if it does happen again, I will have multiple complaints I have filed as the proof that this has been ongoing and it could have been prevented. 

I will file a complaint each and every single time an agent doesn't ask me for my SECURITY FREEZE PIN. 
I don't accept EXPERIAN CONSTANT SECURITY BREACHES, I don't accept the LACK OF INTEREST they have in notifications which means I was not notified, I will continue complaining for as long as EQUIFAX and the other agencies fail at verifying my pin code. 

This is a VIOLATION OF MY SECURITY so no matter what, it will be reported!
Consumer complaint received 2020-07-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (IA)

Hello, I am reaching out regarding a bonus offer on a savings account that Citi has not timely paid. 

The terms are as follows, taken from the attached offer : Earn {$400.00} Bonus Open new eligible checking and savings accounts in the Citibank Account Package during the offer period XX/XX/XXXXto XX/XX/XXXX. 

Within 30 days of opening your account, deposit {$15000.00} in New-to-Citibank funds between the new checking and savings accounts. 

Maintain a minimum balance of {$15000.00} between the checking and savings accounts for 60 consecutive calendar days. 

As the attached transaction history establishes, I have met the terms of the bonus : I opened the account on XX/XX/XXXX. 
{$15000.00} was deposited to the account on XX/XX/XXXX and has remained in the account since. 
The bonus requirement were met on XX/XX/XXXX. 
Per Citis own terms, the bonus was due no later than XX/XX/XXXX ( 90 days after the bonus requirements were met ). 

I confirmed the bonus terms with a representative on XX/XX/XXXX. The representative also confirmed that the bonus had not yet posted. ( See attached chat transcript. ) Thank you very much for your time reviewing this case.
Consumer complaint received 2021-02-09
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 — Investigation took more than 30 days
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (TX)

This complaint was filed : Weve received your complaint. 
Well send you updates about your complaint along the way, but you can track the status of your complaint at any time on your Consumer Portal. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Mortgage ISSUE Incorrect information on your report As of XX/XX/2021 the report with XXXX has been updated to the attached screenshots - still inaccurate. This malicious inaccurate reporting of non existent delinquency has effected my insurance rates on both my home and auto among other things - this is my last attempt to get correction before legal action.
Consumer complaint received 2019-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC (KY)

The people who operate mariner Finance company are putting additional funds onto an account that has been placed with an attorney and the attorney has filed a lawsuit against myself and my girlfriend and they closed the account.. 2 1 months later, they are still sending bad reports to XXXX and additional fees are being added, and they have been informed that the account is part of a bankruptcy proceeding by my girlfriend for the entire amount of money owed, but, they are continuing to harass me by sending you reports that cause my credit score to fall as of XX/XX/2019, they have no reason to do so other than for the personal persecution of myself and my credit. I want this to stop and feel that my credit score should be reevaluated and adjusted to get back the points that have been taken by their actions.
Consumer complaint received 2020-12-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Concentric Receivables Management, Ltd. (FL)

We reached out to Concentric Receivable in attempt to get the accounts verified and get proof of verification but I have yet to receive any type of response. We sent a letter for verification of debt for two accounts on XX/XX/20.
Consumer complaint received 2021-02-09
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (PA)

Greetings. Im a XXXX XXXX XXXX with XXXX XXXX XXXX and I am trying to help my client, the seller, cancel an old FHA case number on a mortgage that was not completed in the fall last year. My clients are waiting for an appraisal on their home, which cant be done until we obtain a new case number ( being blocked by XXXX XXXX ). We contacted XXXX last week on XXXX and they have failed to cancel this old case number so the new buyer can obtain one for us to complete the sale. This is costing everyone time and money. Weve received excuse after excuse from XXXX customer care. There has been no progress made at all in nearly 5 business days. I understand this is a 45 second process and we are not getting any traction at all. Please help.
Consumer complaint received 2021-02-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (VT)

I have {$20000.00} in my account at Gemini. I have been unable to sign in to my account since XX/XX/21 ( see below ) Despite numerous emails asking for help I have not had a response, other than such as below. I wanted to move my money, and since I can't get into my account, it is unavailable to me, a breach in our contract, I feel. 
This company can not be accessed via telephone. It is playing games with my money and deserves sanctions. 
XXXX XXXX Gemini Mon, XX/XX/XXXX, XXXX XXXX  ( 8 days ago ) to me # # - Please type your reply above this line - # # Our team of experts are diligently working to respond to all requests, due to higher than normal ticket volumes, responses are taking longer than usual. 

In the meantime, our help center is a great resource to find the answers to most questions about Gemini! https : //support.gemini.com/. If you were able to find a solution to your issue we would greatly appreciate it if you let us know by responding to this email. 

We are committed to providing exceptional customer service and appreciate your patience. 

Onward & Upward! 
Gemini Customer Support [ XXXX ]
Consumer complaint received 2021-02-02
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)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2021-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I opened an HSBC premier checking account with HSBC with the offer to get {$450.00} after meeting 3 direct deposits of {$5000.00} during 120 days. 

I made the following direct deposits : XX/XX/2020 : {$5000.00} XX/XX/2020 : {$5000.00} XX/XX/2020 : $ 5002 Months have passed and HSBC has refused to post the bonus. 
Despite multiple follow ups, they give me the run around and have failed to honor the promotion. It is to be noted the promotion is still active and even advertised on HSBC.com. see below for the link https : //www.us.hsbc.com/XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HSBC has engaged in blatant bait and switch. I met the terms of the offer and they refused to honor it and have given me the continued run around.
Consumer complaint received 2019-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

In XX/XX/2018 I opened an account with capital one for XXXX in credit and went up to XXXX in credit. Unfortunately, I am recently unemployed due to medical issues of a dependent. The current balance is XXXX. Since having little to no income I am not able to make payment. Capital One will not put me on a program so they stop reporting until i get an income. My son is having medical issues and i need to be unemployed until healthy again.
Consumer complaint received 2021-05-20
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MIDFIRST BANK (FL)

I am writing to dispute an account # XXXX fraudulently opened in my name. I am a victim of identity theft. Midland Mortgage is attempting to collect an alleged debt on the basis of fraud. Midland decided to ignore my demands for ValidationValidation of the debt XXXX XXXX, XXXX and XXXX.I need an ( actual accounting ) 2. Verification of claim against me ( a sworn affidavit or signed invoice! ) 3. copy of the contract binding both parties under Federal Debt Collection Practices Act ( FDC PA ). UCC 3-501 also requires servicer to show authority to make demand for payments, if it does not own the note, but is merely servicing it. In the event a note holder or servicer or will not exhibit the note or perform other legal requirements when requested to do so by the borrower, this UCC section allows the borrower to discontinue payments WITHOUT DISHONOR until such time as the note holder or servicer complies with all laws or contract provisions. I would be happy to pay any financial obligation I might lawfully owe as soon as these documents are received. Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Please provide all the requested documentation requirements on the Notice and Demand to Cease and Desist Collection Activities Prior to Validation of Purported Debt dated XX/XX/2021. I request that you immediately CEASE and DESIST all actions with me. Under the Fair Debt Collection Practices Act Section 805 ( C ), it is my right to request that you cease contact with me. I am exercising my right to do so with this letter. I request that you immediately CEASE and DESIST all actions with me. With this notice, under the law, you can now only contact me to : To advise me that your company 's further efforts are being terminated ; To notify me that your company may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or Where applicable, to notify me that your company intends to invoke a specified remedy. Unjust enrichment, fraud on the homeowners and consumer. Midland actions among others are violations of the federal Fair Debt Collection Practices Acts ( FDCPA ) of multiple state and Federal laws. Intentional act of fraud. Fraud, deliberate concealment of material information, fraud is a felon. This is XXXX in commerce, Fraud, XXXX, and XXXX. I have attempted to resolve this matter formally before filing a complaint and lawsuit!
Consumer complaint received 2022-11-16
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. (GA)

I want this late payment deleted from my account within XXXX days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-01-30
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: Experian Information Solutions Inc. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A. (CA)

XXXX XXXX XXXX has sent me a letter which states I owe XXXX in charges to PNC Bank. They reference the account as XXXX, as of XX/XX/2022. 

XXXX XXXX XXXX was made aware that this matter was resolved. My account was credited on XX/XX/2022. 

I ask that XXXX XXXX XXXX remove my name from any collection action, send a letter apologizing for the fraudulent claim & never contact me again regarding this fraudulent item. XXXX XXXX XXXX should have carefully reviewed the account and information associated with it thoroughly, before making any contact with me. This matter shows complete ignorance and lack of professionalism by a desperate company looking to exploit consumers and collect on fraudulent items.
Consumer complaint received 2020-11-21
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: LDF Holdings, LLC (FL)

I received alerts from XXXX and XXXX of a new tradeline appearing as Collection on my reports. The account shows opened XX/XX/2020. The company reporting is XXXX. I've never received any information or heard of this company before. I've never, ever done business with them. I found the company online, however, no assistance for correction. I have no account number, no date of account transactions, nothing! It shows opened on my reports in the amount of {$1.00}, XXXX on XX/XX/2020. Nothing else. I had no account number to give them. They don't have my social security number or full name, this just appeared on my credit reports and no one seems to know why. This is very frustrating and needs to be removed immediately!
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC. (CA)

The account information was disputed based on Date of delinquency, Date of last payment, Date last active which by XXXX does not match. I disputed the information with XXXX  and XXXX  and the investigation by NETCREDIT came back to the credit bureaus that the account information is accurate. I live in CALIFORNIA and this information is inconsistent under the CCRAA. 

FCRA 623 and FDCPA 806 ( b ) Maximum Possible Accuracy state that the creditor MUST enter a notice of dispute.If this is not entered the account can not report on the account XXXX p. 2-2 Industry Reporting Standards '' All accounts must be reported on a monthly basis. '' The creditor NETCREDIT did not update the account status as " disputed '' while I was shopping for a new home at which time I was denied a mortgage loan. 

FDCPA 809. Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 

This account should no longer be reporting because of the violation of my consumer rights under the CCRAA and the Rosenthal FDCPA
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION (NY)

XXXX student loans reports that I was 60 days late on multiple accounts on my credit report. I have sent letters to XXXX and the Credit Agency showing that i wa in a forbearance with my student loans. I contacted XXXX with copies of my application for the forbearance and the credit report. XXXX also has failed to process my application for over 3 months which is why I am showing 60 days late. I have all copes of my approval, and applications of when applied each time.