davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lendmark Financial Services (MD)

I took out a personal loan with Lendmark Financial in XXXX for {$2000.00}. I made multiple payments of {$130.00} for a few months until I lost my job due to the company closing. When I signed my loan papers, I was told that if I lost my job, the loan was insured and would be paid off in case of job loss or death. I notified Lendmark of such and heard nothing there after. In XX/XX/XXXX, I filed XXXX  XXXX bankruptcy. Lendmark Financial was included in my bankruptcy because they were still being reported on my credit report at the time. During my bankruptcy, XXXX XXXX  XXXX continued to pursue action against me in the District Court XXXX XXXX XXXX XXXX, Maryland, around the same date and time as my first " meeting of the creditors '' in bankruptcy court. Even though they were well notified of my bankruptcy filing, this debt collector still pursued action against me in the District Court in XXXX of XXXX. They never showed to any meeting of the creditors nor made any filings in contestation of my bankruptcy. My bankruptcy was dismissed on XX/XX/XXXX of this year. About a week later XXXXXXXX XXXX XXXXXXXX filed a motion to lift stay in the district court. After receiving the one page document of the motion to lift stay, I contacted XXXX XXXX  XXXX about the debt. I was emailed a letter stating that the amount owed is {$3800.00} with a breakdown of how the debt was calculated. Which did not adequately identify the amounts of the alleged debt owed or the accrued interest which is in violation of the Fair Debt Collections Practices Act. At the time of my bankruptcy, there was a class action lawsuit for the exact same actions by XXXX XXXX  XXXX of unfair debt collection practices ( Case No. 1:12-cv-00163-CCB ). XXXX XXXX  XXXX has a history of violating the Fair Debt Collection Practices Act. Which they are still violating today. As of XX/XX/XXXX, XXXX XXXX  XXXX filed a motion for renewal in the district court on a debt that is past the statute of limitations. When they filed this action, they NEVER sent me any notice or copy of the motion they filed giving me a chance to respond or contest as a pro se litigant or to retain adequate counsel to represent me in this action. Further violating my rights as a US citizen and resident of the state of Maryland in XXXX XXXX XXXX and the fair debt collection practices act. As well as causing undue hardship, harm and damage to my credit unfairly on a debt that is past the statute of limitations.
Consumer complaint received 2021-09-16
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 — Problem with personal statement of dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XX/XX/21 I sent a letter regarding inaccurate and unknown item on my credit report. I have yet to receive a response to my request. Section 611 ( a ) plainly states that a failure to investigate this items within 30 days gives a reason to immediately remove these items from my credit report.
Consumer complaint received 2021-05-20
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: Experian Information Solutions Inc. (FL)

An Investigation was concluded but there wasnt a means of listed as to HOW they retrieved this information and who they SPOKE WITH TO VERIFY this. I NEED ACTUAL COMMUNICATION for this concluded VERIFICATIION Account Name XXXX XXXX XXXX Account NumberXXXX Account Type Debt Buyer This item was updated from Expeian processing from dispute in XX/XX/2021. 
Completed investigation of FCRA dispute - consumer disagrees. 
Original Balance {$590.00} Highest Balance {$0.00}
Consumer complaint received 2021-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (AL)

On XX/XX/XXXX, upon reviewing my credit reports, I observed a new collection data from National Credit Adjusters. XXXX XXXX supposedly being the original creditor. The collection amount was XXXX. Before the collection data, National Credit Adjusters has never contacted me via mail or phone. Unaware of this debt, I called National Credit Adjusters to inquire about this inaccurate information placed on my credit reports. The representative stated I owed a debt from XXXX XXXX. Explained to the representative that I never had a XXXX XXXX account, this information was inaccurate and needed to be removed from my credit report. The representative stated that was not possible and I needed to pay the debt. Ask the representative for the address and account open date. The respresentive stated the address was XXXX XXXX XXXX XXXX in Alabama. I asked were in Alabama. The representative stated its just says Alabama. First of all, I never lived on XXXX XXXX XXXX somewhere in Alabama. Really, this company couldn't give me accurate information regarding the account or accurate address. I asked for the XXXX XXXX credit services number to dispute the account. The representative stated they may not speak with you regarding the account but precedes to give a number. Called XXXX XXXX with the number NCA representative provided but the number wasn't in service. XXXX XXXX XXXX card services to inquire about the alleged account. I spoke with a XXXX XXXX representative regarding the alleged credit card account. The representative stated she couldn't find my information in the system. The representative asked if I had a previous or current account with them. I informed the representative I never had an XXXXe XXXX but National Credit Adjusters claims I owe this debt. National Credit Adjusters is placing false accounts on consumers credit reports to collect funds. The stated account is not my account and I would the inaccurate information deleted from all three credit bureaus.
Consumer complaint received 2020-11-14
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. (AL)

I HAVE A SERIES OF ISSUES WITH THESE ACCOUNTS. I HAVE A CABLE BILL THAT IVE NEVER SIGNED UP FOR. HOWEVER I HAVE BEEN A VICTIM OF IDENTITY THEFT. I HAVE A MEDICAL BILL THAT SHOULDVE BEEN COVERED BY XXXX, BUT INSTEAD THE BUREAS DECIDE TO PUT THIS ON MY CREDIT ACCOUNT WITHOUT CHECKING IF I WAS COVERED BY ANY TYPE OF INSURANCE. THEY HAVE NEVER REACHED OUT TO ME OR SENT ME ANY MAIL STATING I OWED THIS BILL. I CONTACTED THE CREDITORS ABOUT THIS INACCURATE MEDICAL BILL AT XXXX AND THE REP WAS VERY UNPROFESSIONAL AND EVEN MADE JOKES. I AM BUILDING UP MY BUSINESS AND THESE FRAUDULENT AND INACCURATE ACCOUNTS ARE CAUSING ME A LOT OF DISTRESS.REMOVE THESE INACCURATE ACCOUNTS OR I WILL HAVE TO ESCALATE TO THE NEXT LEVEL.
Consumer complaint received 2021-05-20
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 — Problem with personal statement of dispute
Company: DISCOVER BANK (TX)

pened a Discover secured credit card account. I was approved and funded the card through an ACH transfer from my bank to Discover. A card is mailed to me and I am able to activate and use the card. A week/10 days in, I am asked to submit a verification document. 10 days after that, I received an email saying that my account has been closed. I called Discover to get information regarding the closure. They could provide none other than " business decision. '' I asked about recourse, next steps and why there was no adverse action notice. They had no answers other than " our current policy is not updated '' so we can not provide any information regarding the business decision. Any remaining credit balance will be mailed to me in 4 months. Why was I approved for a card and then denied with no explanation or recourse? In addition, why are they holding on to my money and collecting interest on it based upon their unilateral decision? The phone agent did indicate that I could reapply for a card. It I can reapply for a card though I suspect it would be rejected and further harm my credit score. 

In my XXXX  complaints, Discover reviewed my complaint and cited no new information and provided no answers : They provided no adverse action notice and no justification for their decision. They must inform me of where they got their information and how it can be corrected. I received neither of those. When pressed in the XXXX complaint, Discover offered no information and subsequently the XXXX complaint was closed without resolution. 

They are violating FCRA as their denial of credit impacts my credit score. I have a right to know why my credit account was closed and how I can correct any errors that led to that bad decision. They do not get to have my money for several weeks while they review and ultimately cancel my credit account. 

As this closure negatively impacted my credit score and any subsequent attempt to reopen an account would further impact my account, they have a responsibility to disclose.
Consumer complaint received 2022-03-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: KEYCORP (OH)

XX/XX/XXXX at XXXX the agents at key bank refused to deposit my remittance deposit into my account because they were unfamiliar with the bills of exchange act. They told me I basically had no rights to my own credits and wouldnt attempt to deposit my bill.
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC (WI)

I had to call XXXX TO GET SOME 'XXXX  " OFF MY REPORT I WAS PUT INTO COLLECTIONS VIA NCA . NATIONAL COLLECTIONS AGENCY XXXX XXXX  AND NCA AR SCAM FRAUD ORGANIZATIONS- OUTFITTED, I THINK MAINLY, TO GARNER PEROSNAL INFORMATION ANY FOOL GROUP OF CON XXXX CAN PUT YOU INTO THIS FIX. IT IS A SCAM. XXXX XXXX ( WHOEVER THAT IS ) SAYS IT GAVE YOU A LOAN, AND NCA, SITS BACK AND SAYS YOU MUST PAY IT. THEY WORK TOGETHER TO SCAM INFOMATION. I DONT THINK THEY ARE EVEN SERIOUS ABOUT THE MONEY. OR XXXX USES THEM TO GET YOU TO CALL IN AND GIVE YOUR INFO. 

I AM AN OLDER PRIVATE INDIVIDUAL. I ONLY RAISE MY HEAD ONCE AND A WHILE TO REFI MY MORTGAGE. I GOT SMUDGED HERE FOR NO REASON. 


I DID spent a half hour on the phone with XXXX XXXX, ( XXXX ). what a horrible experience Some poor XXXX speaking person named XXXX from XXXX answered. It sounded like I was talking into a great echo chamber. 
SHE said, they will get to a resolution on this issue with NCA, LOAN? OR WHAT EVER IT IS? " OUTSTANDING '' OR, least tell me who NCA is? ( The clowns that said I took a loan out from them???? AND OUTRIGHT LIE ) *****IT WILL BE A MONTH BEFORE I KNOW WHAT THE GIST OF THE STORY IS? THEY WILL MAIL ME THE RESULTS VIA USPS.

National Credit Adjusters Complaints This business currently has nearly XXXX complaints filed with the Consumer Financial Protection Bureau ( or CFPB ) and roughly XXXX with the XXXX XXXX XXXX. Many complaints are about inaccurate reporting and/or lack of response to debt verification requests. 

ADD MY COMPLAINT TO IT!!!!
Consumer complaint received 2020-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

XX/XX/2018 - late payment submitted due to login issues. This is the only late payment on this account and I have tried to work with creditor several times to have this removed to no avail.
Consumer complaint received 2021-05-20
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: Experian Information Solutions Inc. (OH)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I don't recall having a HAND WRITTEN agreement with any of the following companies that have been reporting falsely on my credit. I don't know who any of these companies are, therefore I demand the following accounts be verified or deleted immediately. 
: 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 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I have a few questions about inquires on a credit report. Is it true that in order to pull someones credit report, you need permissible purpose to do so? If that is the case, then why did the company below pull my credit report without my authorization? 

XXXX | XX/XX/2018 N/A I never authorized these inquiries. 
XXXX XXXX XXXX XXXX Inaccurate XXXX XXXX XXXX Inaccurate XXXX XXXX  XXXX Inaccurate XXXX  XXXX Inaccurate XXXX XXXX XXXX Inaccurate XXXX  XXXX Inaccurate XXXX XXXX XXXX Inaccurate XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Inaccurate From my understanding, that is against the law right? Because I did not authorize the companies above to pull my credit report, please delete these inquiries today. 
Thanks
Consumer complaint received 2020-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

i filed for bankruptcy 7 years ago and over those years i have paid on time on all my cards, paid off a car and shown Im a person who pays their bills. my credit has improved and my student loans are off my credit as well. 


i should be able to get an XXXX XXXX credit card or at least a secure credit card. i have applied multiple times and still getting denied after applying. i think they need to change their practices on who gets approved. i find it very hypocritical when they judge me when they got a XXXX dollar bailout from the government. 

Bank of America received {$20.00} XXXX in the federal bailout from the U.S. government through the Troubled Asset Relief Program ( TARP ) on XX/XX/2009. 

judging on past bankruptcy which was 7 years ago is ridiculous.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate XXXX XXXX XXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern TransUnion XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME ADDRESSES DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX typeSingle family XXXX XXXX XXXX XXXX XXXX, MD XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX MOBILE, AL XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX typeSingle family XXXX HERITAGE XXXX XXXX XXXX XXXX, FL XXXX Resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info XXXX have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Transfinancial Companies, Inc (LA)

XXXX and XXXX is still continuing to report errors and inaccurate information on my credit report from the collection agency XXXX XXXX. 
Federal law requires that lenders report the original delinquency date of the account, and that collection agencies carry over that date so that any collection account can be deleted at the same time. A collection account is considered a continuation of the original debt. 
It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. If an agency persists in reporting old debts As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what the furnisher ( such as a lender, collector, or court ) sent to the credit reporting agency as evidence that the information is correct. The information needs to be verifiable, so if its not, it should be removed from my credit report immediately.
Consumer complaint received 2023-03-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Coinbase, Inc. (AZ)

I met someone on XXXX who told me they would help me trade crypto futures. 
After several trading sessions and large profits, they said I must pay taxes to reap my profits. As of now, my account is " frozen '' All of this was done through Coinbase Wallet and XXXX. Neither company is useful in helping me solve the problem. 
I Originally wire transferred the funds from XXXX XXXX to XXXX XXXXXXXX XXXX. 
My entire life savings is " frozen '' in an account I don't even understand. Approximately {$390000.00} USD. I later found out the person has several XXXX accounts under different names. I have made several complaints to XXXX, and they have been of no help. I also filled out a complaint on the FBI website IC3. I'm devastated. I have lots of information about the scammer, whose photographs I traced to XXXX social media site XXXX. I hired a private investigator to help me find the person. I don't know what to do, and I'm at the end of my rope. The scammer even convinced me to cash out my SEP IRA and add that to the pot.
Consumer complaint received 2021-05-20
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: Experian Information Solutions Inc. (CA)

I am trying to get my credit score from Experian - Membership ID # XXXX and they keep saying I have no credit score to receive? They keep saying I have to go and open more account? because they need multiple creditors reporting at the same time? I paid a fee of {$8.00} that was charged on my card for this score. on XXXX I called in 7 time and each time they transfer me to a different department asking for my information. After I give it they cant figure out why I cant get my score. I asked to speak with a supervisor and he Explained he would not give any score unless I open accounts. I opened a secured credit card a year ago to establishes better credit. They would not update that information at all unless I have more open accounts? I don't wont to be on the website that disables my freeze & opt out status so creditor offer me preapproved credit cards with there soft inquiry 's that end up on my report. I asked for my personal information, employment history, contact numbers, be deleted for this reason. I am trying to porches a home, but I need to see what is my current score so I can get an interest rate.