davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avadyne Health Holdings, Inc (FL)

As of XX/XX/2022, H & R account located in XXXX IL is reporting a debt of {$1600.00} on my credit report to the three credit reporting agencies such XXXX, XXXX and XXXX as medical debt. I don't know this creditor and they have not been able to verify this debt or respond to my request to validate it. This item was once reported to my credit report and i requested a debt validation from this creditor due to the fact that i was unaware of this debt it was since removed then added back. I never spoke with any representative on the phone or by mail. I never received any notice about my debt collection right to dispute. The creditor failed to respond to my request to validate the debt. This has negatively impacted my credit score. This is the only collection on my credit report as I have a good paying history with all financial institutions that I actually owe. It's my right to have the accurate information reflecting on my credit report as i have worked hard to keep a good history and its unfair that this debt collector is abusing my rights. I have lost XXXX points due to this reporting and its unfair because its so hard to keep good credit in this inflation and this abusive collector is making it even harder to stay afloat. This reporting is negatively affecting my lodging and transportation opportunities.
Consumer complaint received 2017-11-24
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BQ & Associates, P.C., L.L.O. (CO)

I was recently contacted by my mother-in-law stating that a sheriff had delivered paperwork from an attorneys office stating that she was being sued, and they were representing XXXX XXXX XXXX XXXX XXXX. In the paperwork it showed that she was the co-signer for myself on a private student loan that originated in XXXX. I then called the company the first number was disconnected, but there was a XXXX number. I was informed that after several attempts to resolve the debt with no response they had to take this action. I nor my mother-in-law had never received documentation only phone calls every once in a while re. the debt. I explained to them that this debt was being paid now with XXXX, and there have been no missed payments. I called XXXX to confirm. They stated that XXXX was not the originator, and that they had documentation that we signed for this loan. I have requested documentation, and we have to go to court XXXX XXXX, XXXX at XXXX in XXXX County. 
I have pulled all three credit bureau reports, and this company does not appear on any of the reports as being a debt. I also called XXXX XXXX XXXX where I consolidated my student loans, and there is nothing showing there. 
I have seen the reports online regarding this company, and I 'm just not sure what to do other than go to court and try and fight this.
Consumer complaint received 2022-05-27
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NJ)

I am a victim of Identity theft and I have reached out to XXXX, XXXX and XXXX and the companies have yet removed the inaccurate information from my report.
Consumer complaint received 2021-06-22
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: WELLS FARGO & COMPANY (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-22
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. (VA)

I have contact the bureau since XX/XX/2020 requesting the removal of 3 unverifiable bankruptcies reporting on my credit profile. Transunion claimed I need to send them information from the courthouse in order for it be removed. I have sent them a letter from the courthouse stating they don't report the information on my report. I also contacted XXXX in which they could not verify the information and sent it to them as well. Transunion has not removed the 3 bankruptcies even tho I sent them the requested documentation to remove the unverifiable bankruptcies.
Consumer complaint received 2023-01-19
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. (FL)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

I have a loan with TOYOTA MOTOR CREDIT CORPORATION, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called TOYOTA MOTOR CREDIT CORPORATION and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX  and TOYOTA MOTOR CREDIT CORPORATION with no successful resolution. XXXX, XXXX  and XXXX  reporting me having late payments. There was an error on their part. I was never late.
Consumer complaint received 2017-11-22
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. (NC)

Reviewed credit reports through annual site to obtain all 3 reports. Attempted to submit disputes for incorrect name spelling and dispute a social security number that is not mines. Called into Experian number that was listed on report to call. 1st customer service rep came on I explained what I was trying to do and she advised she would transfer me to dispute center. I heard music while waiting, line opened up and no one is saying anything the line is just opened and it has been for 35mins. I called back into the Experian number on another phone and proceeded to tell rep what the issue is and that my other call is still open on my other phone and no one is saying anything. The rep has the line open but is not saying anything. In order to correct issues on my credit report I expect to be able to talk with the dispute center. If the dispute department is taking calls then they should be actually taking the calls and resolving them not pretending to be on a call.
Consumer complaint received 2016-08-29
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: ROC Asset Solutions, LLC (CA)

API has been contacting me about a debt that they will not send me a validation letter for. They have started to call relatives that I would never or have ever used as a reference. They are calling well over three times a day. I have asked them to stop calling my place of employment as well as faxed a letter to them to stop calling my employer. The fax number they gave me was XXXX.They have threatened to sue me or freeze my bank account. This is becoming ridiculous ans stressful.
Consumer complaint received 2023-05-21
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. (FL)

On XX/XX/XXXX The Credit bureaus were sent certified letters. XXXX letter # XXXX, Equifax letter # XXXX, and XXXX letter # XXXX. The credit bureaus stated that following accounts were properly investigated : XXXX # XXXX, XXXX-Acct # XXXXXXXX XXXXAcct # XXXX, XXXX XXXX XXXX, XXXX-Acct # XXXX and XXXX XXXX Acct # XXXX. On XX/XX/XXXX I sent another certified letter after the credit bureaus stated these accounts were accurate- XXXX letter # XXXX and Equifax letter # XXXX. But how is this possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I have not given these accounts written permission to furnish these accounts on my credit report.
Consumer complaint received 2021-06-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advance Bureau of Collections (GA)

On XX/XX/2021, I sent Advance Bureau of Collections, LLP documents to validate the alleged debt that they placed on my consumer report. They received the documents on XX/XX/2021. 

In return, they sent me a copy of a typed statement that was written by their employer, which was not the documents I asked for. 

They did not send me the documents that I asked so, therefore, Advance Bureau of Collections, LLP needs to remove my personal information from their system and remove and delete this account from my consumer report. 

I am the consumer according to 15 USC 1692, I do not owe any debt and I'm not obligated to pay.

I am an administered agent according to 15 USC 1602 o so therefore the social security card belongs to SSA, I have to give it back at their request, which means I do not owe any debt attached. 18 USC 8 will provide this information
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (GA)

Flagship Credit is reporting a late for XX/XX/20. Due to the unforseen events with Covid, I was financially impacted. Prior to this and after this month I have not been late. I ask that they please make a one time goodwill adjustment and remove the late.
Consumer complaint received 2021-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (TX)

First phone call was XX/XX/XXXX at XXXX. I explained to the collector that the debt had been removed from my credit through disputes filed in XX/XX/XXXX which they failed to respond to. The collector confirmed this information and said I would be placed on their do not call list. He apologized and said their system is slow to update. 
Second phone call was XX/XX/XXXX at XXXX. I explained to the collector whos last name was XXXX that the debt was removed after disputing it. I explained to him that I was already not to be contacted anymore about the matter. He told me the debt still exists on HIS records. I asked to speak to a manager who was busy and told them to not call me again or it will be harassment. He said I was placed on the do not call list again but I dont believe them. 

The company is rent debt automated collections. We have no contract and they are trying to get me to pay a debt that does not exist.
Consumer complaint received 2021-06-21
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)

Someone used my social security and requested a credit check in my name to XXXX XXXX. The inquiry is now on my credit report. XXXX XXXX did not approve it, but it is still on my report.
Consumer complaint received 2023-10-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (VA)

I was contacting this woman for a number of days about a house rental listing to which she said she needed fees for such as are listed in the Venmo transfers clearly, first it was an application fee which was paid than she said she needed a fee for paperwork her attorney would fill out and than the last of the documents they were drafting up for me to sign, I have never received to documents and I have refused to pay her more. This entire transfer of messages she said I would be refunded for everything if I didnt like the house XXXX not only did I not receive to paperwork as to all the fees I paid for such, I also decided not to go with the house and never had any binding contract other than the fact such is what I was paying for. So I go scammed for not getting my money refunded as promised multiple times across texts which I have, as well as not even receiving the documents I paid for before I decided to ask for a refund, I got scammed multiple times by this persons through fake application fees, a fake cover letter and payments. To the total of XXXX dollars between XX/XX/XXXX and XXXX Ive contacted my bank and Venmo to which no such luck in reobtaining my scammed money and no repercussions on the fraud of the person
Consumer complaint received 2021-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Evergreen Recovery Solutions, LLC (CA)

Enhanced Recovery has been reporting incorrect information on my credit file that was involved in identity theft in the amount of {$77.00} in the name of XXXX XXXX and XXXX XXXX. They have several incorrect addresses, names, accounts and phone numbers. A police report has been sent to them several times and yet they continue to report incorrect information including my social security number.
Consumer complaint received 2021-06-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC (NJ)

Account Name : WESTLAKE FINANCIAL SVC ( Original Creditor : WFS ) Account Number : XXXX Date Opened : XX/XX/2016 Balance : XXXX Reason : Identity theft Please remove this from my credit report.
Consumer complaint received 2022-09-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Neon Newco Corporation (NC)

NetSpend is refusing to activate my prepaid visa debit card I purchased in a store and also loaded money on. They say they'll send a check in the mail but could not tell me when they'd send the check could not tell me why they wouldn't activate the NetSpend visa prepaid debit card
Consumer complaint received 2021-06-21
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. (AZ)

I have requested twice to remove this collections that is not mine and Experian is not cooperating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Account TypeDebt Buyer ResponsibilityIndividual Date XXXX StatusCollection account. {$370.00} past due as of XX/XX/2021.
Consumer complaint received 2017-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

I have notif ies Eqifax on multiple oc casions that my report does not reflect any of my credit accounts, they dont give any information on the phone and keep directing me to the creditors who say they are reporting. My accounts shows up on other repoting agencies.
Consumer complaint received 2023-05-21
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. (FL)

On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section .611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. it has been over 60 days so they should have Been deleted promptly. I demand these accounts deleted immediately or I will file for litigation due to the stress you caused me. my information was also impacted by the Equifax date breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-15
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: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-03-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Made numerous complaints to Trans Union concerning the XXXX credit item on my credit report. Informed Trans Union that the information from XXXX is erroneous. Just recieved a final report today and the results are quite confusing. For example, XXXX recieved the vehicle in XXXX XXXX and list that my payment hx was " OK '' from XXXX and then it goes up to 60 days etc. It also lists the last payment made on XXXX/XXXX/XXXX of {$700.00} ( impossible ) I also sent to them the bill sent by the company in the amount of XXXX on XXXX/XXXX/XXXX.
Consumer complaint received 2021-06-21
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. (NC)

On approximately XX/XX/2021, I sent a letter to Experian to dispute two accounts which were XXXX XXXX XXXX XXXX XXXX and a XXXX XXXX that were not supposed to be reported. As the consumer, pursuant to 15 USC 1681b ( a ) ( 2 ), I have written instructions on how I wanted my consumer report to delete referenced accounts. A couple of days ago I received with one of the accounts in question removed but not the other one because of the validity. However, as the consumer I am the only one who can say what is valid or not.
Consumer complaint received 2017-03-03
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Citi Management Group, LLC (IL)

I was contacted concerning a payday loan debt. I informed the agency that I did not owe and produced a bank statement proving that I did not receive the funds. I asked that we take this to court. 
He threaten to have me fired. He then contacted my boss, the president of the college and reported this claim
Consumer complaint received 2017-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I called each credit bureau and requested my credit report updated with correct information. The personal information has not been updated and my credit report continues to reflect incorrect information.     The only address that my credit report should reflect is :  XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX
Consumer complaint received 2021-06-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: REGIONS FINANCIAL CORPORATION (FL)

We opened an account at regions early XX/XX/2021 they had a promotion of XXXX $ for new accounts with direct deposit, my wife requested with her job the next week, fast forward I went into branch they said we should have had the direct deposit within 30 days we missed it by a week I called to talk to a supervisor XXXX no luck, said they are sticklers, I just think it is a bait and switch they got us to open the account and oh sorry you missed the direct deposit by a week or two, it couldve been on there side or theres this COVID thing where everything is slowed down I think they should honor there promot
Consumer complaint received 2017-04-04
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC. (AZ)

I was not properly notified, by Midland funding LLC/Midland Credit Management INC, in Michigan, they went through a third party. Illegally placed a garnishment on my credit report to garnish my federal income taxes and the account is currently occurring interest. Lack of verification that this debt was assigned or sold to collector. Lack of verification that this debt was assigned or sold to more than one collector. Midland Funding LLC has multiple class action lawsuits pending due to unfair debt collection practices.
Consumer complaint received 2023-05-21
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.The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. Account # XX/XX/XXXXXXXX # XXXX {$490.00} Account # XXXX XXXX # XXXX XXXX Account # XX/XX/XXXX # XXXX {$1500.00} Account # XX/XX/XXXX # XXXX {$0.00} Account # XX/XX/XXXXXXXX # 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than record of convictions of crimes which attedates the report by more than seven years. 15 U.S.C 1681s ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.