davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (SC)

On XX/XX/2019 I moved and closed my account with XXXX. I paid the account in full including their early termination fee. Then 4 months later I get a bill from XXXX ( which I don't have an account with ) saying that I owe an additional {$100.00}. I call the company and ask for documentation showing I owe an additional {$100.00} and they just said it was owed and I have to pay it, I refused to send it. Then since I refused to pay they send it to a collection agency. With a host of illegal scams out here today anyone should be cautious about just paying creditors who don't provide proof of an account with charges. I was already going to cancel the service because of the lack luster products and service as well as their terrible customer service. After this experience I will definitely go on a campaign to inform ALL consumers not to buy ANY of their products!
Consumer complaint received 2021-02-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (KY)

I would like to file a complaint against Equifax. I have sent a letter disputing accounts that are being reported inaccurately on my credit report. I have also sent them a second follow up letter. As I'm filing this complaint, they have not provided anything information regarding the investigation. As matter of fact I have no response Equifax.
Consumer complaint received 2021-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STATE FARM BANK, FSB (OK)

On or about sometimes in XX/XX/2020 i submitted a dispute into a credit card from State Farm Bank # XXXX Sold to XXXX collection Agency. On XX/XX/2020 XXXX completed its investigation in to my dispute # XXXX, Ruled the account as fraud due to Identity theft. Till this date the company still have not sent me a letter confirming the account has been resolved in my favor. Which is in violation of my due process rights per the FCRA where the complaintant be aware of the company disposition.
Consumer complaint received 2021-02-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MNS & Associates LLC (AR)

On XX/XX/2021, I received repeated calls from the following telephone number : XXXX. There were total of five calls, back to back, with the same voicemail left every time. In the voicemail, the caller identified herself as a XXXX XXXX and requested a call back to a different number, XXXX. The caller stated that if I did not call back, a " demand notice would go out in the next XXXX hours. She did not say the nature of a " demand notice '' or a call ( e.g., this is an attempt to collect a debt or a similar statement ). 
Additionally, this same person called my husband and my sister-in-law. The same voicemail was left on my husband 's number, as well as a request to provide my residential address verification. My sister-in-law answered the call, the caller asked if she knew me, my place of employment and to verify my residential address.
Consumer complaint received 2019-11-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants Credit LLC (IL)

XX/XX/XXXX - I was the victim of a hit and run driver. Pinning my XXXX XXXX between my car and hers causing my XXXX  to XXXX XXXX. Driver then drove off. I was XXXX XXXX and was transported by ambulance to nearest hospital. I am left with XXXX  XXXX  and XXXX. All of my medical insurance information was given to the hospital. XXXX, IL police department made no attempt to find this driver. I went through a year of medical treatment with XXXX and treatment. During this time I NEVER received one bill from this company. 
XX/XX/XXXX - I was sent and received a few days later a letter from a collection agency that this company had engaged. This was over one year after the incident. I called this agency and gave them all of my insurance information. My medical insurance refused to pay this as it was over one year, I had completed treatment, and they legally were not responsible. A few weeks later I was notified of this. I have an attorney and his name and phone number were given to them. I have {$47000.00} in medical bills. I have filed a lawsuit against my vehicle insurance, XXXX XXXX in order to get any and all bills paid and my medical insurance reimbursed for what they have paid. I have informed the collection agency of all this. However they reported it to XXXX  in order to damage my credit rating. I feel this was unjust as the ambulance company never contacted me personally in any way. Was this deliberate or just overlooked? This should be settled shortly and each and all facilities owed anything will get their money. I have cooperated as fully as possible giving them all information. Yet instead of billing me, they sent directly to collection agency over one year later.
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

I have several inquiries being reported from companies who I don't conduct business with and have asked that these be removed. 
The reporting companies are XXXX, XXXX and Equifax
Consumer complaint received 2021-06-09
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. (OH)

I have filed complaints with the bureaus about negative information being reported on my consumer reports. I am a federally protected consumer with rights. I have a filed complaints with the cfpb and even showed documentation. The accounts are still somehow getting verified. I am bringing the laws to back me up this time. According to 15 usc 1692 only I the consumer can validate a debt. The bureaus were not there at the time of any of these alleged transactions. In order for them to verify anything they would need to interview my neighbors or family members which none of that was done to properly assess the alleged debt. Also according to 15 usc 1681b ( a ) ( 2 ) A consumer reporting agency can only furnish a report with my written consent which they do not have.

As a federally protected consumer I also have the right to privacy 15 usc 1681b ( c ) ( 1B ) ( iii ). These alleged transactions are linked to my credit card which means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor or services on credit. ( This is my social security card ) 15 usc 1602 ( i ) XXXX deleted the XXXX accounts but XXXX  and equifax claimed they're verified that makes no sense, I want this competely and thoroughly investigated.
Consumer complaint received 2021-10-07
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. (NY)

I sent a letter previously, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. 

I demand these accounts 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 2021-02-02
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. (NY)

hello and to whom this may concern. hi! my name is XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX. SSN:XXXX and i have contacted Equifax countless times and the creditor and cant seem to have them remove this unauthorized credit card off my report, its a cat and mouse game as they keep telling me to call one another back and i'm sick of it! being a XXXX survivor and losing half of my XXXX i feel like i have enough stress in my life other than some simple unauthorized credit card data removal which is part of Equifax issue of not helping me! Equifax customer service is being NO HELP in this situation and i even find myself being hung up on sometimes its becoming ridiculous! Now when i give them a call back all i do is get a busy signal and i can never get in touch with them! i am now writing to you guys for the formal complaint because i'm hearing you can help me! i will list the Account below which are part of the unauthorized account on my file shown on my credit report which is holding me back from my credit goals etc. i am hoping you can guys can help me out here! look forward from hearing from you guys thank you!! i've read the FCRA countless times and i know my rights, Equifax is not helping at all and this is not fair, legally they can't do this to me and they are honestly NO HELP!! here is the unauthorized account as follows XXXX XXXX XXXX with account number XXXX opened on XX/XX/2014 I look forward to hearing from you or seeing a resolution of this being removed from my credit report asap thank you!
Consumer complaint received 2021-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO. (WA)

I was recently issued a Chase Freedom XXXX Credit card through JPMorgan Chase. Within the agreement, it says that I have a right to refuse arbitration. To do so, I need to notify JPMorgan Chase within 60 days of my account opening, in writing with my name, account number, address, and personal signature. Any other method, including orally or by electronic mail, would not be accepted or effective. Due to the coronavirus pandemic, the postal delivery is simply too slow to ensure delivery of my right to refusal before the 60 day cutoff.
Consumer complaint received 2021-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aqua Finance, Inc. (TX)

Aqua Finance has placed a lien on my property for a XXXX XXXX. This has been reported to CFPB before and was removed from my Credit report after filing a police report. The information in the contract that Aqua Finance provided me after finding out a lien was on my home at XXXX XXXX XXXX XXXX XXXX TX XXXX is incorrect. The contract states individual account and it list false information. XXXX XXXX XXXX is incorrect and it states he's retired military which is also incorrect because XXXX XXXX XXXX has never served in the military and received XXXX benefits. XXXX XXXX has me listed as an XXXX with 18 years of service. I'm in the XXXX XXXX and was recently promoted to XXXX in XX/XX/2020 and my time in service will be 18 years in XXXX. I have filed a complaint against this company before and it was remove from our credit report only to find out later that they have place a lien on my home. We never signed a contract and the signature on the contract doesn't belong to XXXX XXXX or XXXX XXXX XXXX.
Consumer complaint received 2021-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Self Financial Inc. (OH)

I closed my accounts with this XXXX  and XXXX XXXX XXXX and the company has not refunded my money back into my bank account as stated. Close to {$4000.00} Theyre now ignoring my emails. 

The Company is : XXXX XXXX XXXX and their address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX, Georgia XXXX
Consumer complaint received 2021-02-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIBANK, N.A. (CA)

On or about XX/XX/XXXX I received a debt collection letter from XXXX & XXXX regarding an alleged debt on Citibank credit card account # XXXX. I promptly disputed and requested validation pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692-1692p., as there was no valid debt associated with that account. XXXX and XXXX failed to properly respond to my validation request. On or about XX/XX/XXXX XXXX & XXXX filed a lawsuit on behalf of Citibank , N.A . case # XXXX. I did not know the correct procedure to Answer the complaint, and a default judgment was entered against me on or about XX/XX/XXXX for approximately {$30000.00}. In XXXX of XXXX I had to short sale my house, and it was discovered that XXXX & XXXX had put a lien on my house. My realtor negotiated a payoff of {$2000.00} which was sent to Citibank via XXXX & XXXX out of escrow to complete the short sale and remove the lien. On or about XXXX of XXXX, Citibank , N.A . returned the {$2000.00} check as a refund on the account proving there was no debt attached to this account. This also proves that XXXX & XXXX was fraudulently trying to collect on an alleged debt which again was never properly validated. At this point Im not sure how many violations of the FDCPA are involved. The have damaged my name and my credit, not to mention the stress, coercion, intimidation fraud and extortion actions. Shortly thereafter I found an administrative remedy to create a solution. This process started on or about XX/XX/XXXX and ended on or about XX/XX/XXXX. Both XXXX & XXXX and Citibank , N.A . have failed to respond to my affidavits. My administrative remedy created an administrative judgment against them for damages. In XXXX XXXX & XXXX stole {$120.00} from my bank account. I also recently discovered that on or about XX/XX/XXXX XXXX & XXXX filed a motion to renew the fraudulent judgment Case # XXXX and they have a hearing scheduled for XX/XX/XXXX. 
XXXX & XXXX have never properly validated the alleged debt they were trying to collect and failed to prove their claim. 
Citibank , N.A . returned and refunded money to me sent to them on this same account proving there is no debt associated with this account. 
XXXX & XXXX and Citibank , N.A . both have failed to respond to my affidavits with an affidavit thereby proving my claim, and admitting damages to me in the process. 
I have attached the refunded check and un-rebutted affidavits as evidence in this complaint. XXXX & XXXX and Citibank , N.A . 's failure to respond in affidavit form rebutting anything I have stated in affidavit form proves my claim and damages owed to me. Case # XXXX needs to be vacated and or satisfaction of judgment needs to be entered. Failure to comply with in 30 days will result in copies of this complaint being sent to any and all governing bodies, FTC, DOJ, IRS, Attorney General of California, and XXXX XXXX XXXXXXXX XXXX XXXX 
Without Prejudice, XXXX XXXX
Consumer complaint received 2021-02-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (OK)

I have been incarcerated in the Oklahoma XXXX  XXXX XXXX at the XXXX XXXX XXXX XXXX since XX/XX/2007. I recently obtained a current copy of my credit report to only find out that I've been a victim of Identity theft. I wrote a letter to Synchrony Bank regarding the Amazon store card open in my name without my knowledge or consent, along with a dispute with supporting documents showing my ( CRC ) consolidated record card along with my prison ID, social security number, a Identity theft sworn affidavits. Where the company said that my personal information match and denied the claim without an active investigation, its response was nothing more then a smoke screen dancing around the issue. Nothing in there response substantiated how I opened this account while being incarcerated for the past 14 years, they haven't sent any credit card to a prison. Any address on my credit report is a result of my Identity being stolen. And I ask that this company remove this account from my credit report because I had not opened it nor authorized and one to do so. 

ATTACHMENTS
Consumer complaint received 2015-09-08
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (IL)

Per FHA Guidelines The lender is held responsible, equally with the appraiser, for the integrity, accuracy and thoroughness of an appraisal submitted to FHA for mortgage insurance purposes. 
FHA may pursue appropriate enforcement actions against XXXX or either party for violations. In my situation not only did the appraiser use a foreclosure but he also used a XXXX property that needed a lot of work as well. He also totally disregarded the below grade portion of my home. To clarify that, he only tried to focus on the above grade portion of my home and totally disregarded the below grade. The homes he found not only had lower total square footage than my home but they also had XXXX and XXXX less rooms in those homes as compared to my home. Per FHA Guidelines the characteristics of the property must be based on selections that have similar or the same characteristics including site, site view, location, design, appeal, style, age, size, utility, quality, and condition and the homes selected did n't fall under that criteria. I provided homes that were exact replica 's of my home in total size, rooms, and appearance and the appraiser and my mortgage lender ignored those.
Consumer complaint received 2021-02-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

I purchased a refrigerator from Home Depot that was delivered on XX/XX/XXXX. On XX/XX/XXXX - the refrigerator stopped making ice and was getting warm. On XX/XX/XXXX a technician came out and told us the compressor had died. I had purchased an extended warranty from Home Depot, was within my 90 days of delivery, and this is obviously a major component. Second technician comes out to tell us that compressor, evaporator and control board are all bad. This is a lemon. Home Depot refuses to fix. Insists that the manufacturer must fix it. I have called the Home Depot store, corporate, etc. This is a lemon. This needs to be replaced or my money refunded. Home Depot refuses.
Consumer complaint received 2021-02-02
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 — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (CA)

Hello, I wrote you complain previously about Synhrony banks, when they do not proper close my account, all my disscus with this bank do not bring me a result, it is ok, this is a bank but I just a human, however this bank used my personal information for request a loan and add this information to my credit report. 

ILLEGALITY
Consumer complaint received 2021-02-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: ROBINHOOD MARKETS INC. (PA)

on XX/XX/2021, Robinhood LLC manipulated stock market by stopping Buy uption shares i hold XXXX XXXX XXXX XXXX XXXX and caused them to lose value. This manipulative action of Robinhood financial LLC caused me to lose almost {$7000.00} loss because they created Panic by stopping sell certain 12 stocks first time in history.There are multiple lawsuits against Robinhood financial llc and its all over the News Channels And again on XX/XX/2021, Robinhood Financial LLC manipulated crptocurrency market by stopping Buy option of XXXX and caused it to crash lose value.This manipulative action of Robinhood financial LLC caused me to lose almost {$3000.00} loss because they created Panic by stopping Buy option as well. 

Robinhood LLC just got charged last month by SEC for malpractice and Now they are being reviewed again after XXXX XXXX market manipulation XXXX XXXX XXXXXXXX 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
Consumer complaint received 2019-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GREAT LAKES (MA)

This is a clear violation of FCRA and an inaccurate report. See, why are you giving me a 90 day late remarks when the status is current and also there is no prior late remarks that comes after it.
Consumer complaint received 2018-08-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (WA)

I am XXXX XXXX. I recently started making payments to repay on this useless student loan to improve my credit. Great Lakes isn't reporting the payments to the credit bureaus even though my loan doesn't need to be paid right now. ALSO, they are only applying my payments to INTEREST ONLY on my loan. I'm being scammed.
Consumer complaint received 2021-02-02
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: PINNACLE RECOVERY, INC. (CA)

I receive letter in the mail from XXXXXXXX XXXX On behalf A XXXX timeshare. XXXX has maintained action of collecting mortgage payment and cleaning fees monthly. When I refer back to my bank statements XXXX has stopped collecting money out of my account and has not contact me regarding issue via phone or email. I have not receive letters from XXXX Last letter received Was XX/XX/2020. Due to issues in the mail around that time it is understandable that most mail was lost Where I had to go to the Post Office to retrieve my mail. I recently received A collections Agency information by the name of XXXX requesting {$15000.00} in debt. I believe that was accumulated due to XXXX not continuing To retrieve money from my account and Large late fees. Per my bank statements cleaning fees of the resorts continuously were taking out until XX/XX/2020. I'm seeking assistance to see how can I move forward to dispute this debt collection as I have been a timeshare holder for 2 years now.