davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc. (GA)

I noticed an unfamiliar Medical Debt on all three of my Credit report. On XX/XX/2021, I contacted the Collection Company and requested them to validate their claim. This was done by Certified US mail with a Return Receipt. The Return Receipt Indicated that the company received my written request on XX/XX/2021. 

The Collection Company has failed to validate the alleged debt at my request, although I have waited for over 30 days. 

As of making this report, my Credit files still shows these erroneous reports in violation of several of my consumer rights.
Consumer complaint received 2019-10-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resource Management Group (PA)

I have received phone calls from a debt collector called Resource Management Group. They claim I owe a debt from XXXX, but they refuse to send me a debt validation letter claiming they don't have to that they are a third party but will give me dates over the phone. I sent a certified letter to them on XX/XX/XXXX asking for the information and they have refused to pick it up from the post office. They laughed at me when I said the statue of limitations was up and that they were violating Consumer Financial Protectin laws and asked if I had just XXXX that. On XX/XX/XXXX and XX/XX/XXXX they have called me twice in one day.
Consumer complaint received 2021-03-30
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)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 01 XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-03-30
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (MD)

On XX/XX/XXXX I was notified by PayPal, via email that my account would be permanently limited and that If you have money in your PayPal balance, well hold the money for up to 180 days. After that period, well email you with information on how to access your funds. On, XX/XX/XXXX I received and email that they had reversed a credit of {$1100.00}, essentially stealing my money. Upon contacting them they give no answers to why, just that I have violated terms. No specific terms are pointed out and when led to read the terms again I can not find any terms that I have violated.
Consumer complaint received 2020-09-03
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Byrider Franchising, LLC (AZ)

This was my first car that I bought off the lot it was a used car to start with I ended up getting into a car accident and the car was totaled so I was able to pay an additional fee to obtain another car with the same payment dates and times of my last car I completely paid off the car in total because of what they got back for I accident it paid for the new car but I ended up having to pay extra money because I wasn't aware of that they have already taken a lot for me and for that company XXXX XXXX to sell my information to this collection agency for the amount of my total car is completely illegal please look into this and into their company in its entirety because that's not right I made XXXX year old woman turning XXXX and my credit is a big deal in my life right now my phone number is XXXX please give me a call if you have questions
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (WY)

hello please update my address on my credit report, to no longer reflect XXXX XXXX XXXX   XXXX XXXX or any version of this address as I don't live there.
Consumer complaint received 2022-07-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Systems,Inc. (FL)

I did not receive any notice if this Debt Collection. I contacted the debt collector about this debt, The advised me to Pay half to remove off of my credit report. I then could not help but notice i have never received any information regarding this Debt in the mail or via Email.
Consumer complaint received 2022-07-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

The problem began with an apartment company XXXX XXXX XXXX XXXX - owned by XXXX ) that refused to provide proof of charges to me after move out. They submitted the account to collections without any warning and without responding to my communication requesting proof and explanation of charges. The collections company- Columbia Debt Recovery- has continued to perpetuate the issue. I have made partial payment on my account with the amounts that, despite the fact I believe they're invalid, are at the very least " correct '' But I have submitted additional documentation, now more than once, detailing why the additional amount owed is not correct and requesting more detailed account statement to prove the contrary if they believe it is accurate. I have not received any communication from Columbia Debt Recovery in response to the copious amounts of documentation I have submitted to them. I have tried contacting them by mail, email, & phone. On the phone, they are rude, abusive, and completely dismissive of my questions. The documentation I am attaching to this complaint is just some of what I have sent to them.
Consumer complaint received 2022-06-27
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. (PA)

I filed an Identity Theft report when I learned that someone was using my identity during my incarceration. I submitted documentation about identity theft and my incarceration and Equifax and XXXX disregarded it. They didn't even block the account for 30 days upon receiving the information. I also received a letter from the IRS stating that someone filed a tax return in my name during my incarceration. 

Account US Dept of Educatio Acct # XXXX
Consumer complaint received 2022-08-22
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. (LA)

In accordance with the Fair Credit Reporting act XXXX  Account # 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 XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the rights 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 2022-08-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Westlake Services, LLC (FL)

did not recieve anything too verify debt please help me with situation WESTLAKE FIN XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$230.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$9100.00} {$9100.00} {$9100.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$6800.00} {$6800.00} {$9300.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$9100.00} {$9100.00} {$9100.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. 
Charged off account Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (CA)

Transworld systems is reporting an account on my credit. XXXX XXXX, the original creditor mistakenly sent this to collection even though I was covered by insurance. Out of good faith, I satisfied the balance and was told the account will be removed from my credit but it has yet to be done. Please delete this account from my credit.
Consumer complaint received 2020-05-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was quoted a low interest rate when I purchased my vehicle only to find out my interest rate was super high once i signed the paper work. Now that I'm behind Capital One refuses to lower my interest rate by letting me refinance because existing customers are not allowed to refinance with them which makes no sense. I'd like to refinance and lower my car payment. Im upside down in my car and ive lost my job and need help!
Consumer complaint received 2022-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I was scheduled for XXXX in XXXX of 2022 and it was cancelled by the doctor. I contacted about a refund i was advised that's not policy. The services were never received and the situation was out of my control. I filed a dispute XX/XX/2022. There were XXXX seperate charges so I filed both. A week and a half after filing they contacted me and informed me they refunded the money considering the circumstances and they won't contest the dispute. However every time I call and check the status I'm told thier still researching. How and the merchant has stated the refund has been issued. This has happened to me before and I don't understand. I'm currently on XXXX from XXXX and with inflation and a pandemic I don't understand how a bank can do this to its customers. I'm a XXXX  XXXX  and I'm missing {$1000.00}. I can't get it from the merchant because on their end it's refunded however the bank doesn't seem fit to release me my money. Why?
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CBC Companies, Inc. (NY)

XXXX, Innovis, XXXX adamantly refuse under any circumstances rational or otherwise to release my legally entitled free report or to discuss any remedy to release other than to " Read the letter '' in 9-14 days. 

All state in letter that scan ID images can not be verified SS, PASSPORT, DRIVER ID, XXXX Documents. All id scans used were exact images furnished to approve bank and credit applications without issue Documents were scanned high quality and faxed XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX Registered Mail Sent on XX/XX/XXXX with Hi res scans of Social Security, License, Bank Statement, Passport and Credit Statement were never adequate
Consumer complaint received 2022-07-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

Trouble with escrow and getting accurate payments since XX/XX/XXXX. On that day, spoke with XXXX over a {$120.00} escrow shortage. Put check # XXXX in mail same day for {$150.00} to cover shortage plus! Instructed to pay {$890.00} as new payment confirmed by XXXX on XX/XX/XXXX. Mr. Cooper kept sending statements wanting {$900.00}.????? 
In the bottom of XXXX statement see where they were late and MISAPPLIED the {$150.00} on XXXX WHY? Had to call again on XX/XX/XXXX spoke with XXXX who also elevated this call to XXXX They confirmed my payment to be {$890.00} as XXXX stated on XX/XX/XXXX. 
BUT my statements from Mr. Cooper in the upper right corner wanted {$890.00} but in a pie diagram on the left stated $ XXXX made no sense. This is when Mr. Cooper started tacking on {$2.00} overpayment fee. ABSOLUTE XXXX!!! I can only pay what is clear and confirmed to me NEEDS to be paid!!! Talked to XXXX on XX/XX/XXXX he stated again to pay {$890.00} because again this statement has XXXX different amounts on it plus these {$2.00} fees again but emphasized now I had another escrow shortage of {$30.00}. So I sent check # XXXX for {$950.00} for mortgage payment plus escrow. These fees were supposed to be cleared out! Then my XX/XX/XXXX statement shows up I immediately asked to elevate the issue- same XXXX  with XXXX different amounts and another {$2.00} overdue payment fee. 
Talked to XXXX now on XX/XX/XXXX she wanted another {$140.00} in escrow money and she would also correct ALL these {$2.00} fees collected for their errors. Did an e-check with her only to get another XXXX statement on XX/XX/XXXX. Called XXXX XXXX twice on XX/XX/XXXX, once on XX/XX/XXXX and again on XXXX XXXX NOTHING!!! 
I e-mailed XXXX XXXX, XXXX & XXXX of Nationstar on XX/XX/XXXX at XXXX. 
Then XXXX wants to call me, I told her I sent the e-mail and didn't want to talk to her. So she has another lady called me and my response was the same to her. 
XXXX XXXX HAS NOT responded or even acknowledged my e-mail. How am I expected to maintain a mortgage with service like this? I pay what they tell me and they tack on fees. I am ready to move my mortgage if XXXX XXXX can't/wo n't take responsibility for this mess and file suit against Nationstar/Mr. Cooper if I end up with a higher mortgage than I had. This needs to get fixed and credit for all the fees and just STOP!
Consumer complaint received 2022-05-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: USCB, Inc. (MD)

I am a member of XXXX XXXX and received a bill for {$20.00} from a collection agency. I followed up and found out that the debt was for my grandson who is on my policy. He did not pay his copay and so it was attached to my account. Not of the reasons listed applied so I used the closest I could find. The mgr was rude and wanted to tell me how this situation was going to go. So yes, I found it threatening. 

When I called to tell the collection agency and XXXX that they should correctly report that it was because I was responsible for my grandson and not myself. 

These type of errors harm everyone especially myself who was unaware of the debt and was unable to rectify it directly with XXXX and USCB America staff needs training on debt collection. When I tried to pay the {$42.00} I had to give them way too much information. As a result, this debt was not paid because the manager would not take my debit card without me giving him my name, social, etc. I do not want this to AFFECT MY CREDIT REPORT!
Consumer complaint received 2022-07-04
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. (TN)

In accordance with the Fair Credit Reporting Act XX/XX/XXXX 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2022-12-28
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. (GA)

I am writing to report a data breach claim from XXXX that has resulted in over XXXX inquiries being reported on my credit report. I am concerned about the potential impact this may have on my credit score and financial well-being, and I would like to request assistance in resolving this issue. 

According to XXXX, the data breach occurred on XXXX. Since then, I have received numerous inquiries on my credit report from various companies and individuals. These inquiries have caused significant concern and stress, as I am not sure how they may have obtained my personal information or why they are attempting to access my credit. 

I have contacted XXXX and have been assured that they are taking steps to address the data breach and protect their customers ' personal information. However, I am still concerned about the potential damage that has been done and would like to request assistance in resolving this issue. 

Thank you for your attention to this matter. I look forward to your response and any assistance you may be able to provide.
Consumer complaint received 2022-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to report a data breach claim from XXXX that has resulted in over XXXX inquiries being reported on my credit report. I am concerned about the potential impact this may have on my credit score and financial well-being, and I would like to request assistance in resolving this issue. 

According to XXXX, the data breach occurred on XXXX. Since then, I have received numerous inquiries on my credit report from various companies and individuals. These inquiries have caused significant concern and stress, as I am not sure how they may have obtained my personal information or why they are attempting to access my credit. 

I have contacted XXXX and have been assured that they are taking steps to address the data breach and protect their customers ' personal information. However, I am still concerned about the potential damage that has been done and would like to request assistance in resolving this issue. 

Thank you for your attention to this matter. I look forward to your response and any assistance you may be able to provide.
Consumer complaint received 2021-12-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I made several attempts to rectify items found on my report that were due to identity theft and/or inaccuracies. I sent a copy of police report as well as a copy of the errors. 
There are inquiries I did not approve, accounts that are not mine and personal information that is not accurate such as addresses and/or employer. 
I explained it is pertinent that they rectify these issues due to the negative effect it is causing my credit worthiness with obtaining government contract for much needed services.
Consumer complaint received 2020-09-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8800.00}, {$0.00}, {$0.00}, {$15000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.
Consumer complaint received 2023-03-29
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc (SC)

Hunter Warfield has purchased a debt I owed to an apartment complex to the amount of {$4900.00}, however they are not licensed to collect in the state of South Carolina. In addition to I have not given written consent to the original creditor, debt collector, nor the credit reporting agencies to report this debt that is non public information.
Consumer complaint received 2021-03-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Coinbase, Inc. (CA)

I bought XXXX bitcoin  on XX/XX/XXXX. On XX/XX/XXXX, bitcoin price shot up and Coinbase reversed the transaction without warning or explanation. The price of the coin was {$38000.00} on XX/XX/XXXX and the price was {$46000.00} on XX/XX/XXXX. This delta ( {$7600.00} ) was not paid out when the transaction was reversed. Further, I did not sell the bitcoin and the price continued going up. 

I have filed a help ticket and have not gotten any response.
Consumer complaint received 2020-09-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (FL)

This debt is being reported as a car repossessed in my credit report when what actually happened was that this car was totaled by Hurricane Irma in XX/XX/2017, and the amount that was still to be paid on the loan was paid by progressive insurance