davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Millco Management (GA)

No account number or identifying information other than their name and balance of XXXX I have repeatedly ( for months ) tried to contact XXXX ( XXXX ) who is collecting for a medical debt on my credit report. Everytime I call I reach a recording that states that their hours of operations are Monday to Thursday XXXX XXXX. to XXXX XXXX. XXXX XXXX XXXX and Friday XXXX XXXX to XXXX XXXX   and to please call back during normal business hours and I am calling during business hours. I don't even have so much as a account number. I have tried to contact them through a website I found when researching how others have communicated with them at XXXX. There is no email link to contact them with questions, there is not a search available to find your records within their system so that you could research the bill and resolve. I never received communication from this debt collector on top of all of this. How am I as a consumer supposed to validate and get resolution with zero communication with the debt collector.
Consumer complaint received 2022-12-20
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Action Collection Service (UT)

I have gotten multiple phone calls being XXXX told I need to pay or else. I told them stop calling, i finally blocked them and now they are leaving voicemails. They have called on XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX.
Consumer complaint received 2022-08-17
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. (GA)

Per 15 USC 1681 G ( A ) 1, 15 USC 1681 A ( 1 ), 15 USC 1681 ( A ) D ( 2 ) ( A ) ( I ) : I have the right to not consent to my person information being shared with companies that I have not given consent to. I have the right to refuse alleged debts and require verification from these companies. 


I demand that XXXX XXXX delete this account immediately and not ever repost it on my consumer report. 

XXXX XXXX Do not claim this is not me. I have included my id. You normally use that as a stall tactic.
Consumer complaint received 2018-11-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AVANTE (NC)

XXXX XXXX  is trying to collect debt that has already been paid. They are seeking {$220.00} from a South Carolina Emergency Room visit in XX/XX/XXXX. The debt was paid in full to XXXX XXXX XXXX XXXX via credit card on XX/XX/XXXX of which I have a credit card statement as proof. XXXX  XXXX reported this as NEW derogatory debt on XX/XX/XXXX and it is negatively effecting my otherwise stellar credit score via XXXX.
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX account # 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 that a consumer reporting agency can not furnish a account without my written instructions. 

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S.C 1681B Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2022-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC (DE)

I have a power bill of {$650.00} from XXXX XXXX. I moved out of my apartment XX/XX/XXXX. I was contacted by XXXX XXXX in XX/XX/XXXX stating that I was still getting billed to the address for the 6 months I was not living in the residence. XXXX shut the power down in XX/XX/XXXX. I recieved my bill in the mail charging me for the 6 months not in the residence and when I called XXXX I was told to send them a move out form stating my move out date. I did so and nothing was done. The company put my account into collectiions. I still have the form for my move out date which was XX/XX/XXXX and was billed until XX/XX/XXXX. I would like these charges removed from collections. It is preventing me from getting a house and power. Thank you
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Affirm Holdings, Inc (NH)

I purchase from XXXX all of the time. This is where I remembered seeing an annoying Affirm pop up appeared, but I don't think I used it! Without my consent It was added to my extensions, I just removed it. XXXX sent me an email saying I had XXXX late payments of {$15.00} from Affirm, I got Affirms number and called them up. They didn't have my phone number, email address, home address, or account number. That's why I know they never tried to get in touch with me. XXXX and XXXX don't have this on their report.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

I asked XXXX to remove the bankruptcy on this account and all the other account associated with it. This is a violation of Right to privacy pursuant to 15 usc 1681 ( a ) ( 4 ). I am requesting the information be removed. XXXX a sup from XXXX states by law they are allowed to gather information without my consent. I am demanding this to be removed.
Consumer complaint received 2022-08-02
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc. (LA)

In accordance with the fair credit reporting Act United Collection Bureau XXXX XXXX has violated my constitutional rights. 


.According to article 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 that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-17
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: EQUIFAX, INC. (NY)

A few days ago XXXX sent me documents stating there was a freeze on the account and than a few days later XXXX changed the name to the right name and than changed it back to the XXXX up name. Ofcourse this is what happens in the great XXXX scandal. Lawsuits are being arranged since this is a distraction. but I have several remedies to end this.
Consumer complaint received 2018-11-02
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)

I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc (NC)

chime debit card purchased for {$300.00} only purchase authorized was {$140.00} for a flat screen tv on XXXX which I never received. My card has no balance. I have been in contact with the company no results. They questioned me about other purchase which I have no knowledge of. In my attempt to close the account company refused and sent a new card which I never activated and used.
Consumer complaint received 2018-11-02
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Simon's Agency, Inc. (NJ)

I received an auto call from XXXX, XXXX XXXX NJ on my home phone ( XXXX ) XXXX. The auto operator asked for me by name and said this is not a marketing call - the caller never identified who they were. When I did not press the prompt to identify myself, the auto operator left instructions to call phone # XXXX with a reference number beginning with XXXX .... When I dialed the XXXX number it was THE SIMONS AGENCY - a debt collection company. 

The contact tactics used are in clear violation of the FDCPA as the debt collector failed to disclose identity.
Consumer complaint received 2022-08-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (CA)

Hello, This is XXXX XXXX, resident of XXXX, California. I am reaching out to notify you about filing a report about an employment fraud/scam. I am a recent college XXXX and submitted my resume on XXXX site, then was reached out via text message from number ( XXXX ) XXXX about an opportunity on XX/XX/XXXX. I thought I was communicating with the actual XXXX XXXX and what I thought was a legitimate business. I was put into contact their alleged Chief Information Officer employee XXXX XXXX to see about the employment and job briefing via XXXX. After contacting someone posing as the real XXXX of the company, I was offered the work from home job. On the job application, my personal information like my social security and home address was included. XXXX XXXX then informed me that the company was issuing me a {$3500.00} check to purchase my at home office. The alleged company issued out a check on XX/XX/XXXX to acquire an at home office setup to begin training. Once the check was deposited to my account, I was asked to XXXX the money to individuals that were claimed to be the vendor and shipping agent. XX/XX/XXXX XXXX {$1000.00} payments to person XXXX XXXX and a {$1000.00} and {$400.00} payments to XXXX XXXX. The next day the XXXX, another check of {$4200.00} was issued to acquire the rest of the equipment but {$3500.00} of it was returned because of a problem with the issuer when trying to be deposited. The remaining {$700.00} was instructed to be sent to XXXX XXXX. I was then asked to pay for the rest of the equipment and would be reimbursed but I declined and this began my suspicions. The employees from the company have not been transparent and their communication has began to become suspicious and then ended all together after I alerted them I was reporting them for fraud and further investigation. I am now being charged by bank for the full amount of the fraud checks and am doing everything in my power to report and be protected and reimbursed for the bad money. These scammers were posing as the company and now I know it is a scam and fraud. I have also contacted my bank and credit union for a fraud alert to protect myself as well. US Bank and XXXX have not helped me or reimbursed me for the scam because they claim I had authorized the transactions and they are not held responsible. Which is unfair and now I am out the {$4200.00} that was sent to the scammers via XXXX. I have also filed a report with XXXX Police Department, XXXX District Attorny, FTC and FBI IC3. 
Please contact me to begin the next steps to further investigate and protect myself, and get the money back that was scammed from me. 
Here is my contact information. 
Cell : ( XXXX ) XXXX Email : XXXX Thank you for your help.
Consumer complaint received 2018-11-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (NY)

I am no longer living in the USA. I have {$38000.00} remaining in an account at Wells Fargo that I need to transfer to my new account abroad. They refuse to raise a {$5000.00} online banking daily transfer limit. The only way they say I can do this transfer is by going into a branch which is obviously not an option. They are doing this so that they can repeatedly charge me wire transfer fees for multiple {$5000.00} charges. I have been trying to get them to raise this limit for 2 months now. They are holding my money hostage!
Consumer complaint received 2022-10-25
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: 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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX, Equifax - Report my student loans all closed, however, they don't say Paid, or Paid as agreed, I want them to reflect the correct status- They still got paid, they should reflect paid, and the age of each credit line should be properly reported, I also request they send an updated report to each of my recent inquiries for this month, with a letter detailing their error. ( copy to me as well ) Nextly as a Member and CEO of a separate entity corporation with its own established credit I wish to make it clear.. any further acts of ANTITRUST violations regarding, discrimination against my company by sharing my personal credit without my express written permission are NOT authorized. my personal credit is proving hard to rebuild after my being a victim of Identity theft in the past. their action has cost me Increased fees and elevated insurance premiums and is also violating XXXX XXXX. I am relaunching my firm after covid and applying for Asset-based corporate credit and financing - No personal guarantee is needed, so they need to stop sharing my personal information without consent. I provide my Id and have a credit call to verify my identity prior to opening any accounts,
Consumer complaint received 2022-08-02
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. (FL)

15 U.S.C 1681 Section 602 A states the right to privacy.

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. 



Account # XXXX Account # XXXX Account # XXXX Account # XXXX
Consumer complaint received 2018-11-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Quall Cardot LLP (CA)

( I selected the " too many calls '' option to be able to proceed. 

My debt was written off by XXXX XXXX XXXX in XX/XX/XXXX. The charge off was removed from my credit reports in XX/XX/XXXX. The collection company is still calling and filling judgements against any of my bank accounts 10 years after the write off. 

I am XXXX years old and would like to see this go away before I die. From the research I have done, I guess I have been my own worse enemy, in that I have talked with the collection companies over these years and have admit that I owed the money, which has extended the time for them to continue to file judgements. I don't know if there is a Federal time limit for collection on debts but there should be a limit that a collection company can continue to try to collect a debt.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I am in disagreement with XXXX, XXXX and Experian credit reports on my payment history. Specifically two credit cards XXXX. XXXX XXXX - XXXX, XX/XX/XXXX On XXXX 's end there was an issue with autopay/payment due date changes. Payment was received as soon as I was notified of the issue. Was falsely assured Id have no issue with my credit report 2. XXXX XXXX, XX/XX/XXXX On my end autopay failed and I didnt recognize, HOWEVER, the account was paid in full ( actually a few dollars over ), days later. I was never over 30 days overdue. XXXX and XXXX where paid in full as well XXXX. XXXX XXXX, XX/XX/XXXX I was XXXX XXXX XXXX but I never missed a payment.
Consumer complaint received 2022-08-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION (HI)

I am considered 100 % totally and permanently XXXX by the Department of Veterans Affairs ( VA ) due to military service-connected incidents. I currently have student loans with Sallie Mae Bank valued at {$25000.00}, and am trying to have them discharged on the basis of my XXXX. Currently, XXXX XXXX XXXX is overseeing the claim process on behalf of Sallie Mae, and despite sending in multiple pieces of documentation from the VA stating that I am totally and permanently XXXX, and that I am unable to seek individual unemployability due to already being rated at 100 %, XXXX XXXX XXXXXXXX insists otherwise, and wants me to seek out a doctor " that has treated [ me ] and considers [ me ] to be totally and permanently XXXX. '' This has been an ongoing issue since XXXX XX/XX/2022, and the most recent piece of correspondence from XXXX XXXX XXXX is dated XXXX XX/XX/2022.
Consumer complaint received 2020-08-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I have no knowledge of this company or alleged debt. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2018-11-01
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC (IN)

Obtained loan in XX/XX/XXXX from Mariner Finance , LLC. I had the understanding that it was a simple interest loan at nearly 29.49 %. I have good credit but I was in need of a quick loan to close on an investment property so I accepted the rate. I paid my payments for some reason the did not record one of my cash payments in the store. They didn't report me to the credit bureau until after I paid off the loan on XX/XX/XXXX. They reported me after I questioned the payoff amount and demanded to speak with a district manager. They gave me her number which was incorrect. The payoff was more then the original loan amount of {$5000.00} even after my 7 months of payments my payoff was {$5000.00}. The stated this was fees an interest charges. They did not have an amortization schedule to detail where my funds applied. I fee like this is taking advantage of the general public. Even with my background in Real Estate Sales I  was unable to understand their paperwork, policies and application of payments to the loan.
Consumer complaint received 2022-08-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Celsius US Holding LLC (CA)

Celsius has approximately XXXX of my assets, split between bitcoin, ethereum, and usdc, deposited over the course of the last 2 years. The company has claimed that withdrawals were available at any time, and they recently declared bankruptcy and my funds are now locked. 

I wrote a letter to the judge of the bankruptcy case as well.
Consumer complaint received 2018-11-01
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)

In the latter part of XXXX of 2018, I submitted a dispute to the 3 major credit reporting agencies regarding me being a victim of Identity Theft, this type of dispute is unique in nature as the FCRA sec 605b states that identified fraudulent items should blocked in 4 days. Not only did none of the agencies block the accounts, they didnt contact me with any updates either.
Consumer complaint received 2022-10-25
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (MD)

I CAN NOT BELIEVE WHAT I AM SEEING ON THIS BANK STATEMENT. IF IT`S NOT ONE THING IT`S ANOTHER. FIRST OF ALL, YOU SAID THAT YOU WERE OVERPAYING MY ACCOUNT FOR FOR MY PROPERTY TAXES, OUTSIDE OF MY MORTGAGE MONTHLY PAYMENTS BEING AT {$1600.00}. MY FIXED RATE OF XXXX XXXX XXXX  AT {$1300.00} & PROPERTY TAXES AT {$250.00} = XXXX YEARLY THAT`S $ XXXX {$1600.00} XXXX {$120.00} OF A OVERPAYMENT. NOW YOU STATING THAT I HAVE A ESCROW NEGATIVE BALANCE OF $ XXXX YOU CAN NOT ADD TAXES OF LATE MORTGAGE PAYMENTS TO A ESCROW. THE ESCROW IS FOR PROPERTY TAXES WITH NO PMI. AND THAT {$120.00} SHOULD HAVE BEEN GOING INTO A SUSPENSE ACCOUNT FOR YEARS NOT THE ESCROW. YOU STATED IN ONE OF MY COMPLAINT`S THAT YOU REANALYZED MY PAYMENTS DOWN TO {$1600.00} WHICH WAS INCORRECT, MY FIXED PAYMENTS HAVE ALWAYS BEEN {$1600.00} LIKE YOU WERE DOING ME A FAVOR BUT WERE NOT. MY PAYMENTS CHANGED IN XXXX TO {$1700.00}. WITH THE OVERCHARGE OF THE YEARS SINCE XXXX. {$120.00} X XXXX = {$1400.00} = {$14000.00}. HOW CAN I HAVE A NEGATIVE ESCROW FOR SOMETHING THAT WAS NOT GOING INTO ESCROW, NOT PMI OR PROPERTY INSURANCE? YOU DELAYED THE PROCESSING OF MY PAYMENTS NOW IT`S LIKE MY FAULT FOR MISSING THE PAYMENTS. A CLIENT CAN`T JUST CALL YOU AS A BANK TO FIX ISSUES WITHOUT FEELING ALIENATED.