davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-11
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Portfolio recovery calls multiple times per day sometimes leaving messages sometimes not. I have asked them to stop calling or send me bills that show what they are collecting for. I believe this is not legitimate debt and they have shown nothing to substantiate there claims.
Consumer complaint received 2019-03-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc. (GA)

XXXX XXXX XXXX of XXXX Florida has sent me multiple request to pay {$4100.00} these are allegedly for XXXX services as far back as XX/XX/XXXX and as recent as XX/XX/XXXX. The only thing that is wrong is that they're a fraud. I've contacted the medical group allegedly involved and first and foremost I owe nothing not dollar one, secondly the medical group has no idea who these people are. 


Obviously XXXX XXXX XXXX is a fictions company trying to scare me into paying a debt I do not owe. They have committed mail fraud and are attempting to scam me out of {$4100.00}
Consumer complaint received 2021-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (AZ)

This lady was doing my taxes of 2020 and had my whole refund and simulus sent to her account not mine Ive been in touch with the IRS The first account is mine but the second account I have no clue about
Consumer complaint received 2019-02-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (FL)

Spoke to XXXX XXXX for {$460.00} for XXXX and I do not have. Live in a private community that provides free cable with XXXX XXXX. Spoke to them on XX/XX/19 and explained situation and would not listened to me. Called again this week at XXXX spoke to a XXXX XXXX and settle on account for {$250.00} to be taken off my credit and to send me a letter showing this. Number makes a weird sound now and they got the money and never sent letter to me email or took collection off my credit. I proof that I made payment of {$250.00} to settle and get my credit situation corrected.
Consumer complaint received 2019-03-11
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: TMX Finance LLC (FL)

I borrowed XXXX they asked for XXXX back which was fine but I'm paying XXXX just to renew the agreement that doesn't get credited at all just XXXX to sign paper work stating I still owe XXXX I have paid XXXX for almost 6 months that's alot just to renew it doesn't take anything off my balance I'm a single mom this is ripp off
Consumer complaint received 2019-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (WA)

I have been dealing with an issue between Chrysler capital and XXXX XXXX. Going back and forth since XX/XX/XXXX. My Chrysler capital account dropped XXXX points the day one of the parties closed my account in error. XXXX XXXX is Chrysler and visa versa. The should handle instead of placing blame elsewhere. My Chrysler account is opened and current. Im at my wits end with these two companys. So I want to do a formal complaint. As I am so stressed over this. Tired of the arguments. Just called Chrysler and of course they have to contact another team to see whats going on. XXXX XXXX.can you please help me with this on going issue. 






Sent from my XXXX
Consumer complaint received 2019-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC. (GA)

XXXX card stolen at XXXX after being approached by two men in XX/XX/XXXX along with social security card, license, and other debit cards. Police report filed at XXXX. I was in the middle of a chapter XXXX bankruptcy that was discharged XX/XX/XXXX. I was paying my monthly payments and even the company knew card was stolen they still didn't close account. I moved XX/XX/XXXX from residence that was like a month or so later and my mail was still not forwarded to new address. So I wasn't aware the company was sending statements. The credit limit was XXXX dollars but Midland Funding who purchased my debt took a litigation on me and I was sick with a XXXX son and was sick myself so I couldn't attend court with XXXX XXXX so I came in as court said to submit written documentation to reschedule/and or let court aware of situation and I did but still had a judgement against me. Midland Funding has not one accurate payment associate to my account nor information and from XX/XX/XXXX-to XX/XX/XXXX this debt was sold by the credit card company without no payment histories, no accuracies. Under Legal Proceedings of XX/XX/XXXX XXXX XXXX  states that Midland have filed charged off debts, and other debt buyers, from original creditors that not only reached it's statutes of limitations but also, filing these lawsuits against consumers have violated section 1032 ( a ) 1036 ( a ) 1 of the consumer protection Act of 2010. Section 805,806,807 : The fair debt Collection Practice Act. USC. 1692 ( a ) ( c ) ( d ) ( e ) ,163, fair reporting Act and also section 1053, and 1059of CFPA12 USC 267 ( a ) ( b ) the Bureaus issues the consent order. Please delete this company XXXX XXXX, Midland Funding LLC, Midland Credit Management off of XXXX, and XXXX and XXXX credit reports. They are harassing me and I am receiving SSI for my XXXX son and can't pay on a closed account with an {$740.00} balance because I disputes the {$640.00} and recently company charged {$100.00} more. This account was opened in XX/XX/XXXX,. Or XX/XX/XXXX I have emails of stolen cc and the verifiable date and this company doesn't have validation if it's not the original creditors nor accurate info.
Consumer complaint received 2019-03-11
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: Commonwealth Financial Systems, Inc. (FL)

I have been disputing, reporting and complaining on the unfair, fraudulent acts of this company for almost two months. Commonwealth financial reported to accounts to my credit report and disputing them because they are not mine. I requested validation, which commonwealth financial has refused to provide me with LEGIT, LEGAL VALIDATION. I was only sent a letter with a hospital name a diagnosis code ( WHICH IF THIS WAS MINE IS ILLEGAL FOR THEM TO HAVE ANYBODY MEDICAL INFORMATION WITHOUT THEIR PERMISSION AND IS A HIPPA VIOLATION ) and two amounts. This is not VALID VALIDATION. Proof of VALIDATION include leases, promissory notes, credit card statement, Medical Consent, contracts with an original signature from the Original Creditor NOT the collection agency. After all the disputing commonwealth financial claim they are sending this back to the original WHICH IS A LIE THEY ARE STILL HOMDING THIS DEBT TO RESUBMIT TO MY REPORT, or resell this debt! This do not belong to me, and it needs to stay off my report.
Consumer complaint received 2019-03-08
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. (CA)

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-02-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (OH)

Midland Funding is trying to collect a debt that I do not owe them. I have never signed any contracts with Midland funding. I have disputed this debt with the three major credit bureaus via certified mail. I just recently sent a debt validation letter via certified mail directly to Midland Funding. Midland funding is a company based out of Delaware and they are allowed to do business in Delaware and California. I am a resident in the state of Ohio. Midland funding do not have a foreign license in the state of Ohio to do business. I want them to cease and desist any collection activity and reporting to any and all credit bureaus. I want this debt immediately deleted from my credit report.
Consumer complaint received 2019-02-24
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: TCF NATIONAL BANK (NJ)

I have contacted XXXX XXXX XXXX  customer service and was inform they was not able to provide information about the unauthorized inquiry on XX/XX/2017 And did not have a application for credit on file.
Consumer complaint received 2017-04-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. ()

Each time I dispute with Equifax I receive a generic response only after a few days of my dispute. Equifax stated that I did not list the account names, numbers, etc for my disputes. Well I have uploaded proof of my letters I mailed with the account numbers etc that match the information I pulled from my Equifax file. The only information I have is what 's provided on my report. So I do n't understand what other data would I have to include. Nobody has validated any of these negative items. Also Equifax is removing some of my inaccurate inquiries. But when I first disputed it they advised me that these inquiries were a factual record of file access. Each letter I send explains why I am disputing these transactions. I keep records of everything. It 's not nice for Equifax to practice dishonesty especially if they do n't know what documentation someone possesses. All I want is what is fair. After 2 letters Equifax has failed to validate not verify these items on my credit.
Consumer complaint received 2017-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX entered into an agreement and payment plan with me in XX/XX/2012. I have paid every payment on time according to that agreement. The agreement was that I would make monthly payments of {$600.00} per month until the debt was paid. I have done so. About a year in they started reported me late because of the two past due payments that caused us to reach out to them originally. They told us when we made the agreement that these payments would be put on the end of the contract and to pay {$600.00}. Now, their response is that we were verbally told we had to make all payments on time. We have. We were told the past due payments would not be due until the end. AND WE HAVE A LETTER FROM THEM STATING THE TERMS OF THE AGREEMENT AND THE THE AMOUNT DUE WAS {$600.00} on a go forward basis. They are ignoring what they told us and stating facts that are not true - that we were " never guaranteed '' we would be given the extension for those payments. Additionally, we have been in touch with them for 5 years about this and only when we complained here did they reply. Experian and XXXX have both been notified but have not taken corrective action. This has resulted in my credit to plummet, insurance rates to rise. Please correct this information immediately.
Consumer complaint received 2019-03-08
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. (CA)

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2017-04-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (TX)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-04-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Trident Asset Management, L.L.C. (NJ)

This debt was paid and should never have been reported to the credit bureau. I have been in the process of rebuilding my credit over the past 2 years. I t ake my credit score  and report very serious. I was unaware that this was on my credit report!
Consumer complaint received 2021-01-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NC)

Today- XX/XX/2021. Someone hacked my cash app account after my stimulus check was deposited. I received emails telling me my email and phone number had been unlinked from my account. Right after. I received an email telling me my stimulus check had been deposited to my cash app. I have no way of getting into my account. And when I contact cash app support they are telling me they cant help me. I am a single mom of XXXX who does not get child support. I really needed that money.
Consumer complaint received 2019-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (CA)

On XXXX XX/XX/XXXX, I arrived in the branch to open a business credit card account. I initiated the process online for a Wells Fargo Business Platinum Credit Card with a " New customer offer : Get a one-time {$500.00} cash back bonus or XXXX bonus points when you enroll in the Business Card Rewards Program and spend {$3000.00} in the first three months of account open date ; {$0.00} annual rewards fee ''. This was shared with the banker to assist. The card application was approved and mailed around XXXX XX/XX/XXXX. I have had several inquiries to Wells Fargo regarding the payout of this offer. Including XXXX XXXX and XXXX XX/XX/XXXX. I even went to the bank where the branch manager assisted calling cardmember services to investigate and resolve the error in payment. The latest communication I have received is " Our records do not reflect a promotional bonus offer for this account. " I am quite upset that I fulfilled my obligation and Wells Fargo has not yet lived up to their promise for the promotional terms.
Consumer complaint received 2019-02-24
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. (FL)

Hello I am having trouble with the Bureaus removing hard unauthorized inquires. I just submitted a complaint against XXXX. now its Transunion. these 7 inquiries are causing me problems getting approved for Credit. it is very stressful. along with my health issues,. please, see if you can resolve this matter. thanks.
Consumer complaint received 2021-01-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NJ)

On XXXX, 2020, I purchased items from a Hair company called XXXX  via cash app. I sent {$250.00} to a hair supplier thinking they were an actual legit hair company. But they were falsely posing as another company and scamming customers. As soon as I sent the money, they blocked me on XXXX  ( where our conversation took place ). Their cash app tag is $ XXXX, I immediately reported them to cash but received no response both times. so I had no choice but to dispute the charge with my bank XXXX. After calling them XXXX  honored me a credit for my claim, but on XX/XX/XXXX, ruled the transaction as authorized. so they took back their initial {$250.00} credit. I have screenshots of the conversion with the hair supplier, with me providing my shipping info for a tracking number. Both Cashapp and XXXX  have not done their part in identifying the scammer, despite the evidence. Cashapp has all the info but still allows these women to scam customers.
Consumer complaint received 2019-02-24
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. (SC)

Starting on XX/XX/2016 I started the process of Disputing debt through XXXX XXXX who was reporting 10 accounts to my credit reports, all the same, account number but different amounts totaling {$41000.00}. I first sent a letter XX/XX/2016, XX/XX/2016 to XXXX XXXX and again on XX/XX/2016 to all 3 credit reporting agencies. I explained these accounts did not belong to me and were unverifiable. All accounts did not meet the Metro 2 compliance requirements for reporting accurate data. I included the FTC Advisory Opinion to XXXX ( XXXX ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act.

I provided copies of my 8 different letters addressing each line item on my credit bureaus and copies of the signature required service proof of delivery receipts via UPS along with evidence that both the FCRA and FDCPA were both violated by not addressing the dispute in accordance and within the allowed 30 days. 
I referenced the following, " I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. ''
Consumer complaint received 2019-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pacific Collections (IN)

On XX/XX/2019 I received a notification of debt letter from Pacific Collection Group stating that {$960.00} in debt has been assigned for collections by their agency. The original creditor was not named in the letter and I have absolutely NO knowledge of debt in that amount whatsoever, and I am aware of all of my debts both up to date and in collections, this is not one of them. I followed the federally mandated 15 U.S. Code 1692g, which allows 30 days for a person to dispute such a letter and requested verification of the debt, including the age of the debt, an itemized statement of what is owed, the name and address of the original creditor, and evidence that I am legally responsible for the debt. I sent this typed & signed request for verification on XX/XX/XXXX back to the agency and never heard back from them. In XX/XX/XXXX the supposed debt appeared on my credit report, now with the name XXXX XXXX XXXX ; same debt amount and same account number as the previously stated notification letter from Pacific Collections. I filed a dispute via XX/XX/XXXX and somehow the dispute was decided in the agencies favor within only 2 days ; unchanged. This company, by law, is required to send verification of this debt if requested by accusedin writing, however such verification was NOT sent, And still has not been. I called and left them voicemails requesting more information and have not received any phones calls or emails or mail. 
The address as stated on the original letter notifying me of this collections account was : Pacific Collection Group XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX And now as printed on my credit report the name and address have changed to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX I do not owe this debt ; that I know. The law gives me the right to know what this agency thinks I owe, why, when, from who and all other relevant details in order for me to deal with it. The law so far is being broken by this agency. After the request letter I sent, the voicemails I left and the dispute I filed with XX/XX/XXXX I dont know what else to do about the injustice of this collection account.
Consumer complaint received 2019-05-30
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. (NV)

This issue is an existing problem which credit bureaus wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX/XXXX XXXX, XXXX XXXX