davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (OK)

they showed my admission papers but still failed to show any agreement where me and the creditor agreed to the amount being charged, my admission papers does show any promise to pay or agreement to pay it. you dont see my signature or initials from 1-8 you see my initials on the line that i consent to photographing or videotaping for medical purposes only, i checked number 9 and initialed number 10 boxn 12throu 14 not how i check boxes, then my signature at bottom which nothing in said document showed an amount of money or what me and the creditor agreed upon. and all in which has been photocopied which wont even stand in court, how i know this the same way your going to know this if you cant provide an agreement with an amount between me and the hospital ill be filing suit on XX/XX/2018, unless you provide and contract or agreement, not admission documents, then we can see hows right or wrong on this matter. 
by the way when i called the number you provided your not even in that office. so im sure where probley going to court.
Consumer complaint received 2018-05-24
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. (NC)

On XX/XX/XXXX, I applied for a mortgage with XXXX XXXX XXXX. At that time, my credit card with XXXX XXXX, opened in XX/XX/XXXX, had been reported as purchased by another lender, sold to another lender. The account had a last activity date of XX/XX/XXXX and a last reporting date of XX/XX/XXXX. 

Throughout this process, my credit was pulled on XX/XX/XXXX and XXXX XXXX was still reporting what was listed above. 

On XX/XX/XXXX, my credit was pulled and there was a change on how they were reporting. They changed the date of last activity to XX/XX/XXXX. The added remarks that this was disputed, which I never did. They then changed the account to being close in XX/XX/XXXX. If this account was sold to and sent to another company, then this debt should have been closed with them back in XX/XX/XXXX. The debt was settled immediately with the collection agency when I received notification. 

I would like for XXXX XXXX to change to update the bureaus immediately, as this account should not have had any changes to their reporting. Especially since they no longer held the debt.
Consumer complaint received 2018-05-24
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. (AZ)

XXXX is currently reporting me to Experian credit services as Failure to Pay. there are two problems here.

1. the same account appears twice on my Experian report. I have contacted XXXX 5 or more times about this issue and they can not or will not correct the problem. 

2. XXXX is reporting account as an installment loan. One the report it clearly says terms are unknown. The account has been paid in full and should not be reported on my report since it is almost 8 years old. 

XX/XX/XXXX contacted XXXX was told there was nothing they can do, directed me to call Experian. 

Called Experian put in a dispute saying the debt is a duplicate account. 

XX/XX/XXXX Notified by experian that XXXX validated both accounts. 

Called XXXX about the dispute they advised me they had to finish disputes in a timely manner so they validated both of them. They advised me to call Experian back to dispute again. 

Called Experian back they said no they cant dispute again without me having some additional information. 

called XXXX back, they said they will try to fix it but can promise anything.
Consumer complaint received 2018-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (TX)

I have contacted Experian on Numerous occasions about them stealing my money mand not canceling my product. They keep you on hold for hours to make sure you miss the deadline of the 7 Days to cancel your product. I do not have money to throw in the Trash and Experian has had Law Suits filed against them before because of this Deception. I want my {$31.00} that they took from me on XX/XX/2018. 

I have spoken to many Foreigners in a 3rd world country about this matter and I am tired of asking them for money they stole from me. I want my MONEY NOW! 

Thank you,
Consumer complaint received 2018-05-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC (KY)

In 2012 I moved out of an apartment. Before I moved I notified the apartment manager 60 days before my lease was up of my pending move. I was told to make sure I dropped the keys in the night box and to clean the apartment well before leaving. After leaving I received an bill for damages to the apartment that was not true. I have tried to settle this issue with the apartment but was told that the bill was being handle by a collection agency. I called this agency twice to work out something just to remove this negative remark from my credit. Instead what I got was a rude agent that tried to get me to admit that I owed for this bill. I explained that I didn't owe for this bill because it was false but i want to work to have it removed from my credit report and the agent refused to work with me. On the credit report It mention that I owe XXXX. But the agent said I owed more than the XXXX. So this negative remark lingers on my report.
Consumer complaint received 2018-05-22
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. (MN)

Equifax leaked my, and hundreds of thousands of others ', personal information in XX/XX/XXXX. Initially I was concerned my personal information may have been compromised, along with so many others, but when my identity was stolen in early XX/XX/XXXX, I became sure. This is absolutely unacceptable and something needs to be done to hold Equifax and other companies accountable! Please do something!
Consumer complaint received 2018-05-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (SC)

I had been a XXXX XXXX customer since XX/XX/XXXXand in XX/XX/XXXX, I moved. I decided to suspend my cable service until I found a permanent home. XXXX explained I could do that for up to 3 months. I was very clear and specific about the fact that I wanted to pay up to the last date of service because I didn't want to have any fees due as I know how cable companies are prone to refer unpaid, outstanding bills to collections. Well, after a month, I called to inform XXXX  that I wasn't going to reinstate service with them. Somehow, it turns out, I had a bill. I repeatedly asked them to send me the bill so that I could review the charges. I never received the bill and they continued to pursue collection for the bill. In XX/XX/XXXX, they referred my account to Receivables Performance Mgt. When I received their first collection letter, I requested a copy of the last bill and they didn't provide it. At this point, they have now posted the collection on my credit report. I find that both XXXX and Receivables Performance Mgt. have acted improperly in their collections process. I have a right to verify the charges and to review the last bill of service. I would like to have this corrected and removed from my credit report.
Consumer complaint received 2018-05-23
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. (PA)

I have a timeshare mortgage with XXXX XXXX in XXXX XXXX, NJ. I am actively working to legally get out of my contract with a timeshare release company. XXXX  has been notified and has been corresponding with me and the company about the timeshare release agreement. However, XXXX  under the name XXXX XXXX XXXX recently reported my account as past due to the Experian credit bureau. I was not even notified about this until my credit was ran for an unrelated matter. The delinquency for XXXX XXXX only appears on one credit bureau, Experian. I have contacted XXXX and XXXX XXXXl ( who is their third party billing company ) to dispute the balance they have stated as outstanding. XXXX  is claiming I owe them {$6200.00} but this is inaccurate. I have been paying a fixed monthly payment of {$110.00} from XX/XX/XXXX to XX/XX/XXXX. This payment was withdrawn automatically from my credit card each month. I have monthly credit card statements to verify it was being paid. The original amount financed was {$6000.00}. So, I can not understand how I could owe them more than what my contract states if I have been making payments for almost 2 years. I called XXXX and they would not explain it to me or provide me with a breakdown of how they came to this amount. I requested a copy of the billing statements they claimed to have sent me and the person I spoke with told me to call their legal team and would not assist me any further. I have a right to question the validity of the debt that is put under my name and tarnishing my credit. If XXXX XXXX are not willing or uncooperative in providing this information, I want the delinquency removed from my credit report.
Consumer complaint received 2018-05-22
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. (OH)

Attended XXXX XXXX for nothing school doesnt exsist anymore and i have no dregree these loans failed " XXXX '' they being sued and this needs to be off my credit report XXXX needs to remove this asap XXXX
Consumer complaint received 2021-12-31
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. (TN)

Tried to call the credit agencies about the incorrect information on my report each one requested a ftc report. They said once they receive a ftc report they will cooperate and take the inquiries off my report.
Consumer complaint received 2018-05-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Exeter Finance, LLC. (OH)

Today at XX/XX/18, my vehicle was stolen from address XXXX XXXX XXXX XXXX XXXX oh XXXX. Ive reported this to law inforcement in XXXX Ohio. And went to the dept of motor vehicles got my license plate XXXX. With a valid Id and social #. They verified my car was stolen. I called because I was trying to figured out who may took my car. My title and my registration They are both in my vehicle, I have my Id to pick up my vehicle. The neighbors said it was stolen by a white truck .and they couldnt see the license plate number Of the truck. So the company Exeter finance said they took my car and that was illegally done. XXXX XXXX XXXX from Exeter explanation was that I owed money. I asked him if he had seen me signed any legal paperwork or documents stating that I agreed. He said on recording that he didnt see me signed any documents, and then was explaining to me that he had took my car to and its at an unknown location. I explained the dealer said i needed an amount of XXXX or XXXX cash, he guaranteed I will be in a car that afternoon. So I said fine, Whatever the car dealer and Exeter agreement was I wasnt present. I payed the exact amount of cash including tax that was recommended to drive off the lot. So they need to speak with the car dealer company because now I see they all need retrain. So again XXXX XXXX XXXX He didnt see me signed any law binding contract or contracts so I dont know how hes saying I owe something that he clearly didnt see me signed at all. So with These predudice and false accusations against me are illegal. Now I expect my vehicle to be released from your unknown location where they hide my vichecle. I need my vehicle today asap. thk you very much. Ive reported this again to law inforcement and the department of motor vehicle of Ohio with valid government issued Id. How can you steel my car from public property and lied that i signed paperwork that you are me lien holder, you never seen me signed of your documents XXXX XXXX XXXX from Exeter. I need a response today
Consumer complaint received 2021-12-31
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: OneMain Finance Corporation (GA)

XXXX XXXX XXXX committing intentional identity fraud without thoroughly investigating. I received a Credit File Notice for someone who is not me and is using my information for a personal unsecured loan that I closed and paid in full without no late payments. The XXXX  's name is XXXX XXXX XXXX, phone # XXXX. I do not know this person at all. This lady is fraudulently claiming and using my U.S. po box that I am paying for on a monthly basis and I have proven documents to show that the po box belongs to me- XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is a fraudster who is trying to steal my identity behind the scenes claiming that my XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX belongs to her. XXXX did not thoroughly conduct an investigation and have listed my po box information on the above fraudster 's XXXX profile. I am going to file charges against XXXX XXXX XXXX XXXX and the bureau for intentionally allowing this thief to use my po box information without getting legitimate proof. I would like to file a complaint against XXXX. I have a monthly subscription with XXXX to prevent this issue from happening with Credit Monitoring. I am very upset!
Consumer complaint received 2018-05-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION (OH)

I took out the loan in the amount of {$1500.00}. However when that amount had been meet I inquired what would I need to close the account and stop the bi-weekly payments from coming from I check. I learned that the interest payment/ balance was actually more than the original loan amount. I was informed that I had a remaining balance of {$1500.00} but I could pay it off early for the amount of {$1400.00}. The interest rate is what really concerns me and I feel is truly criminal. The finance charge is : $ XXXX@ 339.89 %. 

I can not believe that is correct, I will meet my obligation to pay this but, I would have loved the opportunity to have at 75 % of the finance fee reduced so that I can see a light at the end of the tunnel. I got this loan under a very desperate time in my life. Now I'm told that {$240.00} will continue to be withdrawn from my account until XX/XX/XXXX. 

Can you assist me with this matter in any manner or assist with this Loan Sharking methods? 

Thank you XXXX XXXX
Consumer complaint received 2018-05-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/XXXX I opened a checking account online with Wells Fargo. I used my prepaid XXXX to fund the account with {$25.00}. Then on XX/XX/XXXX a young lady named XXXX XXXX contacted me about opening a savings account. I agreed and gave my XXXX info again to take {$300.00} and opened the savings. On XX/XX/XXXX another {$300.00} was pending as if she ran the transaction twice. I went into the branch on XX/XX/XXXX and was told that because they didn't SEE the pending charge i would need to contact XXXX. The banker also GUARANTEED me that my account was funded and in good standing and the {$300.00} was available to use. I did contact XXXX and was told that if Wells Fargo didnt deduct the funds it would be released in 11 days which i believe was the XXXX of XXXX. Now on XX/XX/XXXX another {$300.00} came out of the Wells Fargo savings account. I contacted the bank 8 times ; XX/XX/XXXX, XXXX, XX/XX/XXXX, 3 times on XX/XX/XXXX and twice on XX/XX/XXXX. Each time i was transferred and given a case number. If they listen to the calls there was a guy on XX/XX/XXXX or XX/XX/XXXX that said someone from the BANK initiated the " {$300.00} dispute '' on my behalf. I told the guy i never made a dispute so he made a dispute for the dispute they claim i made. I was then told on XX/XX/XXXX that it was in fact XXXX who made this {$300.00} dispute. I called XXXX and confirmed it was NOT them and told Wells Fargo I can provide proof or to CONTACT XXXX on a conference call and id verify. They instead refused and sent me a letter saying call XXXX which i already did and had them email bank statements to prove it was and is not them taking the money.
Consumer complaint received 2018-05-23
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. (MA)

US BKPT CT CA XXXX XXXX, Amount {$0.00}. I have no knowledge of this public record and don't live in California. I have stated this with Equifax, XXXX and XXXX.
Consumer complaint received 2018-05-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (IL)

I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
Consumer complaint received 2018-05-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Prosper Marketplace, Inc. (UT)

On XX/XX/XXXXmy credit union issued cashier 's checks to payoff loan numbers XXXX for {$1600.00}, XXXX  for {$3800.00} and XXXX   for {$2000.00}. On XX/XX/XXXX these paymemts still were not posted on Prosper 's end so thinking they were not received I placed a stop payment on them to reissue new cashier 's checks. OnXX/XX/XXXX they were finally posted but now no good.

On XX/XX/XXXX I sent the new cashier 's checks via certified mail requiring a signature. USPS tracking number XXXX  in which it was delivered and signed for at the front desk onXX/XX/XXXXat XXXX Needless to say these loans are now past due, have accrued fees and can very possibly hot my credit negatively. I received a call from Prosper at my place of employment with absolutely no attempt to contact me on my cell phone. I was told it can take two weeks to post my payment!!! Why are they holding my payments??
Consumer complaint received 2018-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CT)

Delta American Express called me saying that a card I had never activated had a questionable charge. They asked me if I wanted a replacement card. I said " Yes ''. They sent me another card which I did not activate. A month later I received a bill for a {$90.00} membership charge.

I called the number on the statement and complained that I had not activated the card. The person I spoke to put me on hold and I waited for another person who I explained my request to remove the charge and cancel my account. They then put me on hold and I waited for a third person who I explained my wish to have the {$90.00} fee removed and to cancel my account.

The third person said I had 30 days to cancel and that the deadline to cancel had passed and that if I did not pay the fee that a punishment interest rate would be applied to my account. I asked to speak to a supervisor and was told that all the supervisors were in a meeting until after XXXX. I was given a complaint number and was told someone would contact me, but noone has contacted me.
Consumer complaint received 2018-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I have called the corporate number as well as the regular customer service number on numerous occasions from XX/XX/XXXX up until now XX/XX/XXXX as the reporting to the credit bureaus are incorrect. 

The company has over 20 late payments on my account reporting showing me late when the have 1 ) applied all of payment of {$350.00} towards INTEREST ONLY 2 ) add a non-requested extension on the account without authorization showing no payment.
Consumer complaint received 2018-05-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC (NC)

This company is not legally authorized by my current state of residence to pursue any collection actions against me. According to the NC Secretary of State, this company is not licensed and therefore all collection activities need to end as well as the negative reporting on my credit report. According to NC law, in order for any collection activity to occur against a consumer, the collection agency MUST be licensed in NC. I am attaching an image of the NC Secretary of State search in which is shows this agency is not listed or licensed in the state.
Consumer complaint received 2018-05-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (PA)

I had unpaid medical bills for my sons that were sent to my ex husbands address for over a year. I never received a bill. When I noticed there was a derogatory remark on my credit report from trans world, I immediately phoned them and they said it was an unpaid medical bill I then called the medical faculty and they said the balance after insurance was unpaid so they sent it to XXXX XXXXXXXX XXXX. 
I paid it immediately and transeorld promised to remove it from the credit report within 30 days. 
That never happened. Ive notified them several times and they refuse to do anything about it