davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Data Systems (TX)

XXXX FINANCIAL DATA SYSTEM XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reportinXXXX this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2021-05-19
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Paypal Holdings, Inc (IL)

Had 2 XXXX cards valued {$300.00} and sold them thru PayPal and I've never gotten my money and then was told to repurchase 2 more cards value {$300.00} or I would be charged fraud, so I did this value overall I'm out {$600.00} and want my money
Consumer complaint received 2020-04-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc. (FL)

Information was provided to me thru my XXXX Account : XXXX : XXXX Derogatory marks View all accounts COLLECTIONS Commonwealth Finance Opened XX/XX/2020 {$710.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$710.00} Highest Balance {$710.00} Opened XX/XX/2020 ( 3 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX XXXX See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information COMMONWEALTH FINANCE XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
Consumer complaint received 2017-01-09
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Blitt and Gaines, P.C. (IL)

I sold my house in XXXX, and realized that a debt that I had paid off years ago was still listed as a lien on my home. The title company is holding money until a release is issued in a recordable form. 

My attorney at XXXX XXXX has called repeatedly and is always told that it has been filed, will be filed, will be sent to them, and it has not been taken care of. 

Today they attempted to speak to a supervisor and was given a non-attorney XXXX XXXX who hung up on the attorneys office after she attempted to explain we have been getting the run around for months. 

The title company is holding {$12000.00} of my money for a debt that was paid off years ago. ( Blitt and Gaines Admits that it was paid off )
Consumer complaint received 2021-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (DC)

On or around XX/XX/2021. Citibank closed both of my line of credit due to my recent complaint with the cfpb. ( See resolution letter ). 

Im currently disable with social security income. Closing my account because I reach out to the cfpb will be a hardship to my life as I look for an apartment with a section 8 voucher from HUD. 

It is very clear the the account was closed due to readdressing under the 1st Amendment to the Constitution.
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

We went for a mortgage to one company and they had my Equifax report. 
When we decided to go to another company the report no longer exists. 
I have been told so many different reasons this has happened, one of which was my credit cards must have reported to only 2 companies and not theirs. Another was that there is nothing that matches my name on the report just my social. I could list more excuses they have if need be. 

I sent a fax as requested, they said it takes 10 days, it's past 10 days, when I call there is no one that I can even escalate the call to. They won't let me speak to a supervisor. 

I am going for a Mortgage, already put money down on a home. I have 2 reports but Equifax is missing. This is not acceptable especially since the previous lender got the Equifax score and with that my interest rate was less!!! 

Every time I call I get a different story, please help us because this is so bad that they lost my report. I also called all my cards and they have been reporting to Equifax for over 3 years. They made a mistake. They need to own it and fix it so I don't have to get a higher interest rate through no fault of my own. And they need to fix it right and put it back to the way it was prior to it magically disappearing on their end. Thank you please contact me further if need be.
Consumer complaint received 2016-07-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

Subject : Blue Print Fraud, Fraudulent Appraisal, Predatory Lending Fraud They forged my name and did shoddy paperwork. 
They sold my loan and did not make me aware of it. 
They market my home for more then it was worth deliberately. 
The mortgage loan officer make promises he did not keep we ended up have an interest only mortgage which we did not know.. 
They did not let us bring in our own inspectors in to the home they told us that we have to use there inspectors. 
They gave us a XXXX/XXXX mortgage with would include a home equity loan which we where unaware of.
Consumer complaint received 2021-05-18
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX has stated that I the consumer owe a debt and has reported on my credit report without my permission and by doing do they have violated FDCPA. I have communicated with XXXX XXXX to request verification of the alleged debt however I have not received any response. 
On XX/XX/21 I sent the XXXX XXXX CEO, XXXX XXXX a Cease and Desist letter along with Debt validation/verification letter. Capital One did not rebut the letter point for point with proof of a valid debt owed and I have not gotten any response from any of my correspondence to them in regard to this alleged debt. 

XX/XX/21 I sent the XXXX XXXX CEO, XXXX XXXX an Affidavit of Service by mail. 

XX/XX/21 I sent the XXXX XXXX CEO, XXXX XXXX an Affidavit attesting to the mailing of papers or documents ( with documents attached ) & Notice of Record - Notice of Default and Opportunity to cure. 

I have attempted to settle this matter with XXXX XXXX XXXX XXXX XXXX XXXX, however the company continues to report negatively on my consumer report and has violated several of my consumers rights. I have suffered emotional distress, defamation of character, and other unseen injuries. Please see all violations below : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt.

4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 

5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting collect an alleged debt.

14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.

15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms.
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I believe Equifax is not conducting reasonable investigations. They are reporting unfair and unverifed accounts on my credit report ; they did not provide me documentation how they verified the accuracy of these accounts and I have asked them to reinvestigate and they failed again to remove the accounts. 
These are unduly accounts. 
Account. XXXX XXXX XXXX and XXXX XXXX were not able to verify these accounts and they quickly removed them. I have provided the deletion documentation to equifax and they are still " verifying '' these unfair and unverified accounts.
Consumer complaint received 2022-08-04
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: Maximus Federal Services, Inc. (GA)

In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX, and Department of EdXXXX Account # 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 2016-04-22
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (TX)

BARCLAYS BANK DELAWARE is posting that my account is a charge off on XXXX and XXXX. i have disputed this account as fraud. The company will not send me any information on when it was open payment history or account info. they have not provided me with anything to dispute.
Consumer complaint received 2016-12-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

We are applying for a loan modification in California from Wells Fargo Home Mortgage. Further documents were requested with a due date of XXXX XXXX. We attempted to make a payment on XXXX XXXX and the bank would not accept it. Our most recent payment was on XXXX XXXX. They now tell us our loan went into foreclosure status on XXXX XXXX. We can only make a payment of all the arrears plus fees which we can not afford. We would like to continue making payments as we attempt to catch up on arrears following my husband 's job loss.
Consumer complaint received 2021-05-17
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. (CA)

Upon regular review of my credit report, I found a hard inquiry from a company ( XXXX ) dated XX/XX/2020. I did not recognize the company and definitely did not authorize a hard inquiry. I filed a dispute with the reporting agency : Equifax. They later denied my dispute and stated it was a valid inquiry. But, they suggested I contacted XXXX. I did just that. I had to call twice because the first time, the employee became combative after denying that she told me what the product was. I asked for a supervisor and was told there was none. I called a second time and that employee was of no help. He didnt take my call seriously and told me there was nothing they could do about it. He told me to contact Equifax. So both Equifax and XXXX are telling me to contact each other. Meanwhile, I have a hard inquiry further damaging my credit report which, even though I have a perfect payment history, has an abysmal rating and other than a high credit balance, there is absolutely nothing wrong with my credit. ALL payments on time yet my score is in the 500s. So I dont know what is going on but neither the credit bureau or the creditor are cooperating. I guess my next step is legal action.
Consumer complaint received 2021-05-17
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: ID Analytics, Inc. (MO)

I want to contact someone at your company to let you know that I mailed a letter to XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX about the validity of this Bankruptcy that you have listed on my Credit Reports. I mailed this letter on XX/XX/2021 and not one of the 5 companies have sent any corresponding letters. I recently challenged the same account on the other Credit Bureaus and they came back stating that they have verified this account. I have went to the courthouse and they have also stated that THEY DO NOT VERIFY THIS INFORMATION TO ANY 3RD PARTY CREDIT BUREAUS OR AGENICIES. Please send me whatever documents of information you have personally used to verify this alleged Bankruptcy, immediately.
Consumer complaint received 2021-05-17
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: EQUIFAX, INC. (IL)

Back in XXXX i sent letters to the bureaus regarding inaccurate information and they still have not responded. Later only to find out they lied on their website as to what address to send dispute items. I gotten no response from the bureaus yet.
Consumer complaint received 2016-09-13
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (CA)

In XXXX of 2016 Honda Financial took out XXXX car payments for the same month charging my account twice, and causing me to over draft. I was on vacation XXXX, with no money, because of this I was forced to use my credit cards, and now I have to pay that back with interest. Honda later returned that extra payment, but now they claim that they deposited it twice. They have been hounding me for months saying I owe them a payment of {$390.00} I even sent XXXX faxes with my bank statements to prove this was not the case ( I had to pay for these faxes since I do n't own a fax ) they still insist I owe them the money. We also conferenced called my bank twice, and they confirmed that they never deposited XXXX amounts of {$390.00} Now this morning they emailed me telling me they were going to pursue other methods to get their money. My question is whose going to pay me my over draft fee 's, my credit cards that had to be used to come back home, the constant harassment, my time, the faxes? I am not a rich man which is why I bought a Honda and not a XXXX, {$390.00} is a lot for a person living pay check to pay check. I will never ever do business with Honda Financial. Thank You.
Consumer complaint received 2021-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: MoneyLion Inc. (TX)

My identity was stolen on XX/XX/2021 and the someone used my debit card and took out {$1000.00} dollars on XX/XX/2021. When I noticed this was a fraud transaction which I never authorized I immediately contacted my bank and had to report all fraud transactions including this one from Money Lion. I have also contacted Money Lion and filed for a dispute and explained my situation and informed my checking account had to be shut down and close for both checking and saving account and debit card since all my personal information was stolen. I have filed a police report and reported my case to FTC as well. 
I have contacted every week for a status on my dispute to Money Lion over the last two months but they still have not resolved anything and never return my money of {$1000.00} as of today. I was informed they have attempted for the reversal on XXXX XXXX but nothing was received at my bank and there was not records of the funds receipt due to my bank account already had closed on XXXX XXXX. This was verified and confirmed with a bank representative to money lion over the phone already and still nothing has been received and no one has contacted in regards to this matter and I have been trying to contact the supervisor but they kept me on hold for an hour each time I had called. 
Now I have been patiently waiting for the last two months and I am getting sick and tired and frustrated this has not been settled. Please help me resolve this urgent and extremely important matter as soon as possible. Thank you.
Consumer complaint received 2021-05-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (MN)

I was in the hospital and my wallet was locked up with security. My Reliacard unemployment card through US Bank had two fraudulent bill pays. XX/XX/2021 for {$2000.00} payable to XXXX XXXX XXXX and XX/XX/2021 for {$1000.00} to the same person. No phone number listed for XXXX XXXX XXXX but an email was listed XXXX. It also shows the last four digits of his account as XXXX. I never used bill pay and never added this person as a payee. Total theft and fraud or bank mistake. I emailed it to see if it was a company but no response. I have contacted cardholder services many times and got many different answers. I still have not got my money back. Reliacard says the bill pay is a third party company called XXXX XXXX. They said they have no way to contact them. They can only submit an email to them and wait. No response from them and I have spoken to many supervisors. I need this money for my rent and bills. I have been dealing with this for so long. Ive sent them required faxes and they say they cant do anything else. I was told they cancelled the bill pay but that did not work. I also filed a complaint with the integrity department at the actual unemployment office. That did nothing.
Consumer complaint received 2016-12-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: URS Holding, LLC (IL)

I forwarded the following with all attachments of payments to this debt collector but I am still getting contacted. 


XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, 2016 Alltran Financial , LP XXXX XXXX XXXX XXXX XXXX XXXX Re : Billing Error Notice - Account Number ending in XXXX To Whom it May Concern : I have received your bill in the amount of {$3900.00} regarding a collection for the XXXX Account. I have paid this bill in full to XXXX on XXXX XXXX in the amount of XXXX with the following confirmation number : XXXX. I no longer owe any debt to XXXX bank. 

Please check your records and correct my account. Also, please do not send me any more bills or call me until this matter is settled. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, 2016
Consumer complaint received 2021-05-17
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. (TX)

On XX/XX/21 I submitted an FTC report to all 3 bureaus. There were accounts listed on there as a result of identity theft. Pursuant to 15 USC 1681c-2 a block of this information was supposed to take place. There has still been no block. After looking over my consumer report I also realized that my information was disclosed to a 3rd party. Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from a consumer report pursuant 15 USC 1681a ( 2 ) ( B ). The bureaus are in violation of the FCRA. The FCRA is the federal law. My consumer rights have been compromised. I am suffering from my rights being violated as well. I'm trying to refinance a vehicle!
Consumer complaint received 2017-02-01
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (IL)

U.S. Bank has consistently charged overdraft fees to my account when there was in fact money in the account. On the most recent occurrence on XX/XX/2017, the account was never negative. They indicated that they charged an overdraft fee because there was a pending charge that could have put the account in a negative state if it cleared before the check in question.
Consumer complaint received 2015-06-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Focus Holding Company (CA)

A Group called " XXXX XXXX '' reported a debt of XXXX dollars being owed to XXXX XXXX without ever notifying me that there was a debt owed. First, I do not owe this debt, second I was never contacted by the collections agency. I have rights to dispute this charge and they never contacted me to dispute the charge. Under the FDCP I have rights to make any collections agency verify the debt. If they tried to verify the debt they would know that I do not owe it.
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nicholas Financial Inc. (FL)

During coronavirus last year I made payment arrangements for my auto loan with Nichloas finacial. I have noticed that they added three late payments from last year. They have had different employees but I spoke to someone each time to arrange a payment with them. One of their employees set a automatic draft for the XXXX when I told them the XXXX because that is when I get a direct deposit from XXXX. XXXX. It was not my fault because of the arrangement that was made by their employee was for the incorrect date. I have previously disputed the late payments but have not been successful. Please help me to get them removed they are incorrect. I am a XXXX veteran and this has really affected my credit.