davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-10
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: McNeil & Meyers Asset Management Group, LLC (AR)

Ms. XXXX from Mcneil and Meyers has called my phone and left messages stating I need to contact her by the end of the day and if I did not she would send it to further processing and that " we can do this voluntary or involuntary ''. she has called me at my place of employment where I can not receive phone calls, the day she called my job and I answered the phone I had a patient that I was working with she refused to get off the phone when I told her I was at work and could not talk.
Consumer complaint received 2020-06-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NV)

I received a copy of my personal credit report from all 3 credit bureaus. I sent a certifies letter to the company on XXXX XXXX to the address on the credit report. I have never received any documentation verifying that I have a signed contract, verification I owe them a debt or anything bearing my signature. I have also filed a dispute with the credit bureau notifying them to delete this inaccurate information. Here is the proof of mailing Delivery Attempted Tracking # : XXXX Recipient Address : LVNV Funding XXXX XXXX  XXXX XXXX SC XXXX 1. PRE-SHIPMENT INFO SENT USPS AWAITS ITEM, XX/XX/2020 XXXX XXXX, XXXX, AZ, XXXX 2. PROCESSED THROUGH USPS FACILITY, XX/XX/2020 XXXX XXXX, XXXX, AZ, XXXX 3. ORIGIN  ACCEPTANCE, XX/XX/2020 XXXX XXXX, XXXX, AZ, XXXX 4. PROCESSED THROUGH USPS FACILITY, XX/XX/2020 XXXX XXXX, XXXX, AZ, XXXX 5. SHIPMENT RECEIVED ACCEPTANCE PENDING, XX/XX/2020 XXXX XXXX, XXXX, AZ, XXXX 6. PROCESSED THROUGH USPS FACILITY, XX/XX/2020 XXXX XXXX, XXXX, SC, XXXX 7. PROCESSED THROUGH USPS FACILITY, XX/XX/2020 XXXX XXXX, XXXX, SC, XXXX 8. ARRIVAL AT UNIT, XX/XX/2020 XXXX XXXX, XXXX, SC, XXXX 9. AVAILABLE FOR PICKUP, XX/XX/2020 XXXX XXXX, XXXX, SC, XXXX 10. ARRIVAL AT UNIT, XX/XX/2020 XXXX XXXX, XXXX, SC, XXXX 11. REMINDER TO SCHEDULE REDELIVERY, XX/XX/2020 XXXX XXXX, XXXX, SC, XXXX 12. REMINDER TO SCHEDULE REDELIVERY, XX/XX/2020 XXXX XXXX, XXXX, SC, XXXX
Consumer complaint received 2019-03-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Dynamic Recovery Solutions, LLC (CA)

This company has continued to contact me for an unknown, unverified and no validated account. The harassment is causing defamation of my character and reflects negative toward s my financial capabilities as an adult. I can not move forward and create stability for my growing family. I want this bill that does not apply to me to be removed from my name and credit report due to me having no knowledge of it. I don't think that it is fair for it to cause harm to me when I have never had any relationship with this company. Please remove the account with no verification and no validation from my information due to the Fair Credit Reporting Act 15 U.S.C.168Ag.
Consumer complaint received 2018-12-19
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 loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX XXXX and XXXX.
Consumer complaint received 2022-07-24
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)

I sent my letters off on XX/XX/2022 at XXXX. I told ALL the credit bureaus to " investigate every piece of information '' on the account I have listed below. Also I have attached the letter I sent out that has multiple accounts but XXXX of the accounts " XXXX '' and XXXX CARD are what I am targeting as my priority in this letter. The Tracking # 's, that were provided to me for tracking are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the FRCA, the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, person characteristics, or mode of living is obtained through person interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he or she is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. Also, according to the FRCA 15 USC 1681, everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

If you look at the dates of last activity, the dates across ALL XXXX credit bureaus are NOT the same, which violates the law ; if you look at the high balance, the balances are NOT the same across ALL XXXX credit bureaus, which violates the law ; If you look at the dates opened, the dates are different across ALL XXXX credit bureaus, which violates the law ; if you look at my XXXX Card, open and close dates, they are inaccurate; Finally if the account is closed, why does it still say that I have a past due balance on this account? This is breaking the law as well and I've reached out to them and will be waiting for a response as well. The information for XXXX is below. 

List of Account - Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX
Consumer complaint received 2022-03-07
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO. (CA)

This account was charged off during a national disaster and should not have been charged off being this account purchase was involved in an auto accident and GAP protection was held up due to covid 19 and this result on my credit report is damaging on my credit. 
Also to include.. I am Writing today because during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with XXXX. 
I am requesting that your company please forward me a copy of the 1099-C that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$XXXX}.
Consumer complaint received 2018-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I know at least one credit reporting service, Equifax has an improper previous address for my personal information.I contacted them maybe a year ago and asked for it to be corrected. It had created a problem at the Social Security log in page.I answered a question correctly but got locked out from site because of the error. The problem is my address box number has always been XXXX but somewhere it was inputted as XXXX which makes it appear that I lived in a previous location.
Consumer complaint received 2018-12-19
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)

The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : 01  XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX  ( Original Creditor : 12  XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX . XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX,
Consumer complaint received 2018-05-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BB&T CORPORATION (FL)

BB & T Bank I refused to pay for what seem to be like fraudulent activities. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. They can not provide me with any original paper work, signatures or ID copies.
Consumer complaint received 2022-03-07
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: Experian Information Solutions Inc. (ND)

Hello, my name is XXXX XXXX and I am writing today to get help with incorrect information on my XXXX, Experian and XXXX Credit report. I have reached out to all these agencies via online dispute and telephone and asked they remove inquiries that I did not request or allow, to this day this has not happened.

Please remove inquires from these companies immediately as they are inaccurate and damaging my credit score : XXXX XXXX, dated XX/XX/2021 XXXX XXXX dated XX/XX/2021 XXXX XXXX XXXX dated XX/XX/2021 XXXX XXXX dated XX/XX/2021 XXXX XXXXXXXX dated XX/XX/2021 XXXX XXXX XXXX XXXX XXXX dated XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX, dated XX/XX/2021 XXXX XXXX XXXX  dated, XX/XX/2021 XXXX XXXX XXXX XXXX dated XX/XX/2021 XXXX Companies dated XX/XX/2021 XXXX XXXX  dated, XX/XX/2021 XXXX XXXX dated XX/XX/2021 I did not give any of these corporations permission to request a credit report and have asked these agencies to remove this information asap, this has not happened. 

Please help me solve this issue. Thank you
Consumer complaint received 2022-03-07
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. (ND)

Hello, my name is XXXX XXXX and I am writing today to get help with incorrect information on my XXXX, XXXX and Transunion Credit report. I have reached out to all these agencies via online dispute and telephone and asked they remove inquiries that I did not request or allow, to this day this has not happened.

Please remove inquires from these companies immediately as they are inaccurate and damaging my credit score : XXXX  XXXX dated XX/XX/2021 XXXX XXXX dated XX/XX/2021 XXXX XXXX XXXX, dated XX/XX/2021 XXXX XXXX dated XX/XX/2021 XXXX XXXXXXXX dated XX/XX/2021 XXXX XXXX XXXX XXXX XXXX dated XX/XX/2021 XXXX XXXX XXXX XXXX XXXX dated XX/XX/2021 XXXX XXXX XXXX, XXXX XX/XX/2021 XXXX XXXX XXXX dated, XX/XX/2021 XXXX XXXX XXXX XXXX  dated XX/XX/2021 XXXX Companies dated XX/XX/2021 XXXX Financial dated, XX/XX/2021 XXXX XXXX dated XX/XX/2021 I did not give any of these corpo

rations permission to request a credit report and have asked these agencies to remove this information asap, this has not happened. Please help me solve this issue. Thank you
Consumer complaint received 2018-05-20
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. (CA)

My car was repod on XX/XX/XXXX ... i payed to retrieve my car on XX/XX/XXXX. Was unable to physically pick up my car until XX/XX/XXXX bc my car was shipped to auction with the intent to sell prematurely. After getting the run around and having property stolen out of my car which a police report was filed. I was still within my 15 days of redemption. The finance company XXXX XXXX XXXX reported on XX/XX/XXXX that the account was closed and a reposession was placed on my credit report. After i spoke with them repeatedly during the XX/XX/XXXX-XX/XX/XXXX time frame and treated like i personally stoke money owed each rep they said the account was still open and now i have {$3000.00} additional added to my already high car loan and when Im only late around {$1400.00} and i paid {$560.00} to get my car back. This is legit a predatory lender and they lie to get the funds they want. Im already paying extremely too much for a car that was a lemon when they financed it and have spent well over {$2000.00} in the last 3 months to fix it. Regardless of late payments i dont need incorrect information reported on my credit report. I would like this resolved just as quickly as it was reported. Since yall were so quick to try and sell my car before my time was up. I already called and was to have someone in credit reporting look into it yet all i get was remarks. No the loan is still open and i would like it reported accordingly.
Consumer complaint received 2019-11-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: Synovus Bank (FL)

I was charged a {$45.00} fee on Money Market Account with Synovus Bank for over the limit internal transfers to my Synovus Checking Account. The Money Market Account was originally a Savings Account that was switched to a Money Market Account because I was told I had an unlimited number of internal transfers I could do on the account. I was mislead with the information that was given to me. This is the first time I have ever incurred a fee on this account. I contact the Synovus Office in XXXX XXXX, FL office and explained to them that I was given misleading information and they would not refund the {$45.00} fee that I incurred. If I had known of the internal transaction limit I would have not exceeded it. I knew there was a check limit, which I have NO checks on this account but was told I had no limits on internal transfers to my Synovus Checking Account. This is deceptive and misleading to customers of Synovus Bank.
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Starmark Financial LLC (TX)

-StarMark Financials LLC violated the following laws : - Fair Debt Collection Practices Act- not ceasing collection activities when in fact I clearly responded and disputed the debt within the 30-day response period and by reporting to the credit bureau this account for collection prior to the completion of the debt validation process. In addition, since StarMark is not the original lender and StarMark was claiming that it acquired the debt from XXXX XXXX, it failed to provide proof of ownership -Esign Act and Uniform Electronic Transactions Act - none of the requirements to consider the Esignature valid were met Important Dates/Information : - Debt being collected was a result of online fraud - Amount of supposed debt - {$2500.00} -Supposed Original Creditor : XXXX XXXX ( Acct # XXXX ) -Supposed Buyer of the Debt : StarMark Financials LL ( Acct # XXXX ) -Collection Letter from StarMark Financials : Dated XX/XX/XXXX received on XX/XX/XXXX -My Response Date to StarMark Financials : XX/XX/XXXX ( I have proof of USPS receipt ) -Actual Date StarMark Financials received my dispute letter : XX/XX/XXXX, XXXX XXXX. ( I have proof of USPS Tracking System ) -Date Collection Account Reported to Credit Bureau ( XXXX ) : XX/XX/XXXX XXXX Response Date to My Disputed Letter from StarMark Financials ( included supposed supporting documents of the debt ) : XX/XX/XXXX ( letter sent by XXXX XXXX ) -Documents provided showed : - no valid signature from me- loan was supposedly transacted and completed online - debt claimant failed to show proof that all of the following requirements under Esign Act and Uniform Electronic Transactions Act were met : - intent to sign & opt-out clause - consent to do business electronically - clear signature of with the record - association of signature of with the record - record retention - StarMark Financials failed to show proof of ownership of the supposed acquired debt from XXXX XXXX - no deed of assignments were provided showing that the debt was legally transferred to StarMark Financials- I called StarMark Financial and determined that my account was already sold to XXXX XXXX - another harassing tactics
Consumer complaint received 2018-05-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (CA)

Ive been getting 3-5 calls everyday, and I was kinda cautious about it cause they kept saying wrong names and the amount kept changing, Ive asked for a letter in the mail many times and never received it and now its in collections
Consumer complaint received 2022-03-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (FL)

I received a letter on XXXX from Wakefield and Associates for an unpaid balance of {$640.00} charge was from XXXX from XXXX of Illinois for a medical bill. I responded to Wakefield with the EOB which show the insurance company paid APP of Illinois XXXX check # XXXX on XXXX. After calling Wakefield again, that was not good enough. I then got the cancelled check from my insurance company that it was cashed XXXX. I sent them this info 7 times to the email address they provided, verifying it was correct. They then told me this take time to verify and that they will be reporting to the credit bureau XXXX and it may or may not be done by then. Please help. I have all documentation that this has been paid two years ago.
Consumer complaint received 2019-03-28
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. (NC)

I am a victim of identity theft. The fraudulent items attached are not mine. I pay all my bills without an issue. I refuse to be responsible for fraudulent items on my credit report
Consumer complaint received 2022-06-20
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Investigation Request Letter To Whom It XXXX Concern : I received a copy of my credit report since I have been receiving several calls from lenders saying that someone is trying to open bank accounts in my name. And I notice that there are some inaccuracies on my personal credit reports. And I recently read that the Fair Credit Reporting Act gives me the right ( by law ) to challenge anything that is not 100 % accurate on my personal credit report. 

Now I am asking for a FULL INVESTIGATION and PROOF from the account holder XXXX XXXX to show how I was late for the months of XXXX, XXXX, XXXX, and XXXX of 2019 when I had applied for refinancing but kept making payments. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof then these XXXX XXXX ( XXXX ) accounts must be deleted. So, I am requesting them to be deleted because they are NOT 100 % accurate. So, could you please investigate and get back to me? I know from reading an FCRA lawyers site that you have 30 days to complete this investigation. 

Again, investigate these accounts and remove them if anything is missing or not correct on them. 

Accounts Account Name : XXXX XXXX Account Number : XXXX Origin Loan Amount : {$15000.00} *Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Origin Loan Amount : {$9500.00} *Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Can I get an updated report after your investigation? You can use the above address ( same as my ID ) Thank you for your time and help XXXX XXXX
Consumer complaint received 2022-03-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: GOLDMAN SACHS BANK USA (VA)

On XX/XX/XXXX I made an online purchase from XXXX XXXX. I used my Apple Card to make the purchase, in the amount of {$100.00}. When I received the item I ordered I was not able to use it. It was wireless headphones and I was not able to sync the headphones with my bluetooth. I requested a return from XXXX and sent them back on XX/XX/XXXX. I tracked the return through XXXX and the package was received received by the XXXX XXXX XXXX on XX/XX/XXXX. When I did not receive a credit from XXXX I called XXXX on XX/XX/XXXX. XXXX and was told that if I did not receive the credit by XX/XX/XXXX to call back. When I still did not receive a refund I called XXXX and was told they would do an investigation to find out why I did not receive a refund. On XX/XX/XXXX I received an email from XXXX stating they were refusing a refund. 
On XX/XX/XXXX I initiated a dispute claim using the XXXX XXXX app on my phone. I received a temporary refund of {$100.00} for the amount of the purchase. On XX/XX/XXXX I received an email from Apple Card Support telling me that XXXX stated they never received the item and I was being charged for the purchase. When I initiated the dispute on the app I had to answer a few questions, one of which was if I could provide documentation to support my claim. I answered Yes and they stated that they might request the documents in the future. They never contacted me or gave me the opportunity to submit my documentation.