davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Healthcare Receivables Group, Inc. (SC)

Healthcare Receivables Group are debt collectors attempting to collect a debt on behalf of medical services I have not received from them. I am not a party to their agreement with XXXX XXXX and I have not agreed to pay anything to Healthcare Receivables Group. I have not provided any releases of my medical information to Healthcare Receivables Group ; I have attempted to mail Healthcare Receivables Group several letters to multiple addresses to allow Healthcare Receivables Group to validate their debt and the mail was ignored. I have no idea how Healthcare Receivables Group received my private medical information. Healthcare Receivables Group have once again damaged my credit scores and violated my H.I.P.P.A. rights and is attempting to collect on an alleged debt that does not belong to me. Healthcare Receivables Group continuously violates the FDCPA by attempting to collect on alleged debts without providing any proof of service or goods. I have proof of previous disputes from Healthcare Receivables Group that was satisfied.
Consumer complaint received 2020-07-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CountryPlace Acceptance Corporation (NY)

for the past 3 o4-5 years I email an ACH form with the date to deduct the payment to Country Place Mortgage. from my bank account. 
The last 4 months - my payment isn't being deducted on the date I have requested. I have to follow up with phone call to ensure my payment is made. 
I don't know what has changed that this isn't being done per my emailed ACH. 
The problem is I'm in a Chapter XXXX BK and this payments need to be made on time. 
I have reached out to the collection manager and the person who supposedly handles my account and I do not get any reply. 
I am working from home due to the Virus and I cant spend time on the phone checking to make sure they do they jobs. 
Please help me I send an ACH the beginning of the month to have them deduct {$520.00} on the date of my second pay.
Consumer complaint received 2022-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (IL)

I am a living, breathing woman representing myself. I recently pulled my credit report and noticed a fraudulent collection item added by a company I've never contracted with nor have ever done business with SEQUIUM ASSET SOLUTIONS LLC. I have no idea what this alleged debt is and was NEVER contacted by SEQUIUM ASSET SOLUTIONS LLC in writing prior to this false information appearing on my credit file which is a violation of the Federal Debt Collection Practices Act. Furthermore I never authorized SEQUIUM ASSET SOLUTIONS LLC access to my credit card which is in fact my social security card. In order for them to put this false claim on my credit report they had to have access to my personal information including my name, date of birth and social security number which is a grave breach of a consumers right to privacy. This corporation has stolen my personal information & attached an alleged debt to my consumer report in an attempt to collect money not owed or due to them. It says this " account '' was opened XX/XX/2022 but I have NEVER been contacted by this debt collector. They even reported on my consumer report that this " account '' was transferred to an attorney which by federal law is also a debt collector that I have never entered into an obligation with. I have filed an identity theft report with the Federal Trade Commission, the Attorney General of Georgia, and will be personally pressing charges on XXXX XXXX XXXX. This false collection has gravely impacted my ability to extend credit, my brand & my mental and physical health. This is a grave breach of personal information by a corporation I have never done business with. Give this the attention that it gravely needs because I am invoking my consumer protected rights & will not stop until this company doesn't harm another consumer.
Consumer complaint received 2023-08-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MO)

I called a phone number on an email I received that was supposedly from PayPal asking me to authorize the purchase of a laptop computer for {$470.00}. When I called the number the man on the phone told me I had charges on my PayPal account that he could help me remove. He asked me to download an app called " Any Desk '' which would help him do this. He then used this app to add charges to my PayPal Account and bank credit cards. I realized it almost immediately and called the banks cards and they removed the charges immediately, but PayPal refused to remove the charges, and we have been in a deadlock ever since the happened on XX/XX/2023. I have XXXX XXXX XXXX XXXX and have been negotiating through them with no success.
Consumer complaint received 2020-01-31
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. (NV)

Hello, My name is XXXX XXXX. My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding. 
Upon review of my credit report, there are an ample amount of Accounts, Collections, and inquiries that do not pertain to me and I are results of identity theft. Please remove these item as they our affecting my credit worthiness. 
Please remove these item from my report or legal action will be taken. 
Thanking you in advance. 


INQURIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX : XXXX XXXX XXXX  ( XXXX  XXXX- {$280.00} )
Consumer complaint received 2022-06-16
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. (NJ)

n accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX, account name, XXXX XXXX, account, number, XXXX accoutname, XXXX XXXX XXXX, account numberXXXX  accountname, XXXX  XXXX  XXXX  account nuberber,XXXX accountname,
Consumer complaint received 2022-07-22
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: EQUIFAX, INC. (GA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$8.00} ; XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2020-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

why is XXXX being taken from me i explained i got an XXXX XXXX from the XXXX XXXX XXXX  did the store respond to the dispute? this is capital one spark card i answered orally at nauseum. i want the money credited. i also told you i was ripped off and the cost was misrepresented.the cost refund me. please refund the XXXX dollars
Consumer complaint received 2024-03-10
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NJ)

Synchrony Bank XXXX XXXX XXXX XXXX, XXXX, CT XXXX Dear sir, I have received a letter from your bank branch, addressed Customer Service, XXXX XXXX XXXX, XXXX, PA XXXX, dated XX/XX/XXXX of 2024. I have inquired to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MA XXXX, regarding my reward certificates ( XXXX and XXXX ), total {$20.00}. These two reward certificates became unusable and asked to make them usable. The letter of your company in XXXX stated that I used one certificates ending XXXX was used in XXXX in XXXX, NJ. As far as I remember, I paid this purchase with your credit card in my name exactly {$28.00} as indicated in the printout of purchase history kept, which could see in your company website. I enclosed the copy of this transaction, which clearly states I paid exactly {$28.00} by the credit card ; therefore, the statement in the letter shows discrepancy and unreliable. Also, regarding the transaction on XX/XX/XXXX of 2024, which this letter stated I used another certificate, my credit card transaction history of your website said I purchased only {$6.00} instead {$46.00}. Even if this office might correct the date into XX/XX/XXXX of 2024, when I have used {$46.00}, this office needs to prove I purchased something in total {$56.00}. Then, with {$10.00} certificate, the transaction total should be {$46.00}. The office needs to check and show me the transaction detail, something like a receipt of these 3 dates to prove his/her opinion. Since there are so much discrepancy and unreliable opinions, I request to show further evidence to prove them officially in print. 
Sincerely,
Consumer complaint received 2021-12-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent letters to all XXXX credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2020-12-15
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: The Stark Collection Agency, Inc. (IL)

Thank you for sending me your internal records of the debt, however you did not VALIDATE THE DEBT. I have received a bank statement and contract with my alleged signature attached.i am not disputing or denying that this account exist, I am disputing because this account does not belong to me. The contract The Stark Agency has sent is not my signature. I HAVE attached and PROVIDED my real signature. The signature on the contract is in scribbles with the letters C and B which is not my signature. Also on the contract is says the account was OPENED/APPROVED BY 927 Please provide name of witness who who claimed i sign this document. Please provide VIDEO AND/OR AUDIO of me entering and leaving the Veridan Credit Union vicinity or E-Signature stating my IP address, session, time-stamp and browser with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I have attached previous complaints against this company from consumers from The Better Business Bureau. If you can not provide the requested information please delete this account immediately. i have provided my lease for address verification and my ID for Identification purposes
Consumer complaint received 2022-06-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I am a XXXX XXXX XXXX remote ) at a major university. I received an email got a professor seeking remote opportunities for a research assistant. I responded. Did the work. A check was sent via email to my school account to deposit the check. It showed it as deposited in my account for {$2000.00} to pay for office supplies. They needed me to order the office supplies so I can start working. So I sent {$1600.00} via XXXX to the personal ordering supplies. This was XX/XX/XXXX. Today XX/XX/XXXX Bank of America said it was a bad check the {$2000.00}. So I reported this to the fraud department today the person I sent XXXX to, the text phone number from the fake professor. Bank of America said they can not guarantee I will get my money back. I told them any fraud through said should be recovered and returned to me. I submitted a scan claim to FBI today XX/XX/XXXX. I also submitted a police report to XXXXXXXX XXXX police today also. And I called XXXX university police but they said first I need to file a complaint where I live, I have all emails and texts and XXXX name saved. I hope you can assist. Thank you.
Consumer complaint received 2023-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2022-06-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (FL)

On XX/XX/2022 I sent a cease and desist letter to Discover and debt validation. Discover did not respond at all. I listed the violations and my specified remedies for civil penalties for violating FDCPA. Discover did not have prior written consent to contact me about a debt. Discover has reported late payment to credit reporting agencies. 

I am a victim of identity theft because Discover gave my cellphone number to a skip tracer to call me. Discover misrepresented a credit of {$5700.00} as a debt. The amount is showing as a positive balance. 

On XX/XX/2022, I received a collection letter from Discover after they were sent a cease and desist letter. Discover did not pay the civil penalties of {$14000.00}. 

References : 15 USC 1692 15 USC 1643
Consumer complaint received 2020-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (MD)

Convergent Outsourcing INC, was PAID IN FULL by Cashier 's Check with a letter of agreement to report to three credit bureaus. I also submitted a letter that indicated that if the cashiers check was cashed then the company agreed to update credit file within 30 days. Convergent has NOT updated my credit file and it has been over 90 days since they have received the FULL PAYMENT.
Consumer complaint received 2024-03-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (FL)

I have emailed Chase a police report from where my wallet and identification along with my personal identification information.

I have emailed Chase a copy of the identification theft report.

I have emailed Chase a copy of my power will with my address.confirming it was different from the address the credit card was sent.

I have emailed Chase a copy of my insurance bill to my address. Also a different address from the one they sent the credit card to.
Consumer complaint received 2020-07-27
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. (IL)

There is an account on my credit report XXXX that I never opened. It has a charge off of {$1100.00} with no balance, and the charge off occurred in less than 6 months of " opening '' of the account. When I XXXX XXXX  there are over 20 hits of people alleging fraud. I called Equifax on XX/XX/XXXX, reported the fraud. They emailed me on XX/XX/XXXX, telling me the dispute was won in favor of XXXX 

I asked to appeal ( by phone on XX/XX/XXXX ), and was told, they would start again, and ask for " paperwork ''. I do not trust them to correct the issue and wonder if the the people perpetrating the fraud are controlling the investigation ( at XXXX not Equifax XXXX.
Consumer complaint received 2017-09-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC. (OH)

I purchased my vehicle in XX/XX/XXXX under my business. I told them at the time I was the only member of my business and that my tax ID number was simply my social security number. I contacted them a few months ago ( XXXX ) because while my accountant was looking over my IRS  paperwork, he discovered that my business vehicle was NOT titled under my social security number but a made up number by the company. They have n't had my business vehicle titled correctly since I purchased it, meaning the tax deductions through my business are actually invalid. I have sold the business and I want them to switch this from a business to a personal loan and refinance it. They are telling me that I cant. I am very close to getting a lawyer and suing them to get out of this contracted loan. I either want them to take the car back and let me out of my loan, or remove the ridiculously high interest off of it and title it in MY name. 

Every-time I call they ask to speak to my husband, not me. My husband has nothing to do with my business whatsoever. I am absolutely SICK over this and nobody seems to be able to help me so I guess legal action is necessary. 

I dont feel like I should jump through hoops so that I can have this done correctly for them, they screwed up, not me.
Consumer complaint received 2020-01-31
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. (NV)

Hello, My name is XXXX XXXX. My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding. 
Upon review of my credit report, there are an ample amount of Accounts, Collections, and inquiries that do not pertain to me and I are results of identity theft. Please remove these item as they our affecting my credit worthiness. 
Please remove these item from my report or legal action will be taken. 
Thanking you in advance. 


INQURIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  ( XXXX  XXXX- {$280.00} )
Consumer complaint received 2024-03-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (MI)

The CCS Companies & CCS COLLECTIONS XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX To whom it may concern : I'm unaware of this debt, I didn't have an opportunity to dispute this information, If in fact you believe you gave me proper notification, then please send the certified mail with a receipt with my name and signature on it, in the state I live in, stating that I received it. 
Please give me the method of validation, regarding the right to collect on this debt, meaning who you talked to, their email address, and their phone number, within the next 15 days.
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LOBEL FINANCIAL CORPORATION (FL)

I have a loan from LOBEL FIN, 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 LOBEL FIN and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and XXXX with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/2020, and XX/XX/2020. There was an error on their part. I was never 30 days late twice.
Consumer complaint received 2020-07-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CT)

I can not get my mortgage company to pay my home insurance out of the escrow. Rushmore loan management services tells me they paid it when I cal but XXXX XXXX company hasnt received it. Rushmore did this to me a few years ago and it wasnt until cfpd looked into it did they finally pay. If my home insurance doesnt get paid they default to an insurance company of their choosing. Seems like a scam. My agent as am I are extremely frustrated by Rushmores tactics. My insurance agency is is XXXX XXXX out of XXXX XXXX Florida.
Consumer complaint received 2018-12-13
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TekCollect Inc. (MO)

I received a call from a debt collector by the name of XXXX XXXX, from The company Tek Collect on XX/XX/2018 @ XXXX CST. I requested for the debt collector to cease all future phone calls & to communicate with me strictly via postal mail. After i disconnected the call, the same debt collector XXXX XXXX called me back and questioned why I hung up on h and continued to harass me about the debt and called me a debtor in attempt to belittle me. The hanging up and calling back happened 2-3 more times before I decided to block the number to cease the harassing calls.
Consumer complaint received 2022-06-16
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. (MI)

In Accordance with the Fair Credit Reporting Act 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 with my written instructions.
Consumer complaint received 2022-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In Accordance with the Fair Credit Reporting Act 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 with my written instructions.