davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC (OH)

I have been dealing with this now since XX/XX/XXXX. XXXX Hospital Georgia has incorrectly attached this debt to my SS # and has been trying to fix their issue ever since. The billing from the main hospital has told me on multiple occasions that they have corrected this issue on their end and I was told they would also direct this to XXXX XXXX XXXX XXXX XXXX XXXX has not submitted this debt to the collection agency Affiliate Asset Solutions The debt in question is related to a homeless gentleman with similar name as mine, with a different middle name, and the hospital tied his billing to me. I live in Ohio. The only time I have visited XXXX Hospital was in the Winter of XX/XX/XXXX while in Georgia for on the job training.
Consumer complaint received 2019-09-07
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SYNCHRONY FINANCIAL (CA)

XX/XX/2019 : Synchrony Bank wired {$190000.00} from my savings account to XXXX XXXX XXXX without my authorization. 
XX/XX/2019 : Synchrony Representative XXXX XXXX called me to ask if outgoing wires that day of {$130000.00} from my savings account & {$120000.00} from my CD were authorized. I said no. XXXX froze my accounts & online banking access. Eventually the {$130000.00} & {$120000.00} were returned to my accounts. However I could no longer see my accounts online. 
XX/XX/2019 : I called Synchrony & spoke with Rep XXXX who tried to id me. She had the wrong answer to my security question about where I was married. Eventually she verified my id & told me my account activity. This included a {$190000.00} wire on XX/XX/2019 that I did not know about. Then I left a phone message for XXXX about the {$190000.00} wire. 
XX/XX/2019 : When XXXX called me back I told her the {$190000.00} wire on XX/XX/2019 was not authorized by me. 
XX/XX/2019 : XXXX called me and said Synchrony wired {$190000.00} to XXXX XXXX XXXX & these funds are gone from XXXX XXXX. Synchrony Bank will not return these funds to me because I was a victim of identity theft. 
XX/XX/2019 : I sent a letter to XXXX with my Police Report of XX/XX/2019 and my Federal Trade Commission Identity Theft Report of XX/XX/2019. 
XX/XX/2019 : I sent a letter to XXXX requesting status of {$120000.00} and {$190000.00} stolen funds that had not yet been returned to me. 
XX/XX/2019 : I sent a letter to XXXX requesting payment to me of {$120000.00} & {$190000.00} plus related interest & fees. 
XX/XX/2019 : I received from Synchrony {$120000.00} for my {$120000.00} claim plus interest and fees, which satisfies this claim. 
XX/XX/2019 : XXXX told me Synchrony will not return to me the {$190000.00} stolen from my account because this was due to my identity being stolen.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX ) XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX They have all been paid off and promised me they were to delete it off my credit report once paid off and they are paid off with a XXXX  balacnce.
Consumer complaint received 2019-09-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery Account # : Unknown Amount : {$830.00} To Collection Manager : This letter is to inform you that the validity of this debt is disputed. I am unaware of this account and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt. However, in order to quickly resolve this account, I would like to see the contract/agreement and any other supporting document you may have that I have willingly entered into any sort of agreement with PORTFOLIO RECOVERY and if or where I agreed to have business with you or paperwork contracted for myself, XXXX XXXX & Portfolio Recovery. I have made several attempts to reach your organization without resolve as each time because I am asked personal information which I do not feel obligated to give out to your representatives as I have no knowledge of being contracted to you in any way. Bills, and any statements that are originated from a secondary part are not considered validation of debt to you. 
Unless Portfolio Recovery can provide proper validation as recognized in FCRA 15 U.S. Code 1692g ALL reported information regarding this account must be deleted from ALL credit reporting agencies immediately following receipt of this letter as specified above. 


Thank you for your time. 

XXXX XXXX
Consumer complaint received 2019-09-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC (PA)

Contract Callers Inc Account # : Unknown Amount : {$2100.00} To Collection Manager : This letter is to inform you that the validity of this debt is disputed. I am unaware of this account and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt. However, in order to quickly resolve this account, I would like to see the contract/agreement and any other supporting document you may have that I have willingly entered into any sort of agreement with CONTRACT CALLERS INC ( CCI ) and if or where I agreed to have business with you or paperwork contracted for myself, XXXX XXXX XXXX XXXX XXXX XXXX. I have made several attempts to reach your organization without resolve as each time because I am asked personal information which I do not feel obligated to give out to your representatives as I have no knowledge of being contracted to you in any way. Bills, and any statements that are originated from a secondary part are not considered validation of debt to you. 
Unless XXXX XXXX XXXX can provide proper validation as recognized in FCRA 15 U.S. Code 1692g ALL reported information regarding this account must be deleted from ALL credit reporting agencies immediately following receipt of this letter as specified above. 


Thank you for your time. 

XXXX XXXX
Consumer complaint received 2019-09-07
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: National Credit Adjusters, LLC (MO)

Harassing phone calls, robo calls, non stop. I have no debt with this company nor have ever had any affiliation with this company. I have fraud alerts on my credit reports for identity theft. I want this company to cease all contact and delete my information
Consumer complaint received 2022-07-27
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: Specialized Loan Servicing Holdings LLC (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : XXXX LOAN XXXX XXXX
Consumer complaint received 2019-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (FL)

Hello. Im writing this complaint in regards to a fraudulent account that was opened under my name in 2013 with Discover Credit card. I have never had a discover card nor have I authorized one to be opened. DiscoveXXXX is calling me harassing me and they said they are investigating it but they also opened a lawsuit against me for {$18000.00}. I tried to applied for a loan and I was denied because of this debt. I cant open anything or even apply for a place. This is affecting me and my credit tremendously. Ive been sending in all types of proof to discover that I have not been the user on the card such as proof of address to where I have resided for over 10 years in XXXX, Fl and the address they have on file where the card was sent was in XXXX, FL. I also sent them in my debit card bank statements where I was making charges in Nevada and the discover card was being used at XXXX XXXX XXXX the very same day. Ive also filed a police report. This is becoming such an issue and now they are taking me to court.
Consumer complaint received 2021-04-13
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: SLM CORPORATION (NY)

I sent an validation of debt letters on XX/XX/2021 to both sallie mae and XXXX. they have yet to send me anything validating the alleged debts.
Consumer complaint received 2019-01-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TCF NATIONAL BANK (MI)

I got a mortgage in XX/XX/XXXX from TCF Bank, I signed up for the " Command Protection '' which was explained to me as a job loss protection insurance policy. My mortgage person explained to me that in case of job loss TCF would make payments until I had obtained other employment. Of course to an extent, but it was some assurance that if something did happen and I did lose my job TCF would work with me. The charge for this was {$32.00} per month. Well in XX/XX/XXXX the unthinkable happened. I was a XXXX  XXXX for ten years with a local Michigan department. I was unlawfully terminated by a corrupt police administration. If you doubt me there is a current court case against the department brought on by 3 XXXX XXXX   who were unlawfully terminated by our department. I applied for unemployment however myself and other officers were denied by my XXXX XXXX department. My family was in a tough spot, however we still made our mortgage payments. In XX/XX/XXXX I called to ask if TCF could help us with making one mortgage payment and to see if some of our late fees could be waived. At first the customer service rep said not to worry that we were covered by the command protection. She said I could get some fees waived and I could get back on track no problem. She gave me a number to call, however I left repeated messages and never got a call back. After a week I called back the original person I had talked to. She now said I didn't qualify because I wasn't on unemployment. Well I explained to her that I was denied. Luckily around the same time, someone made an offer on our house and we sold it otherwise we probably would have gone into foreclosure. I complained to TCF about why I was paying {$32.00} per month for something sold to me as job loss mortgage payment protection, and then when I need it I did not qualify! I asked for my money back since XX/XX/XXXX because since it seemed like a scam and I couldn't use it anyways, they said no way would they give me any money back and in fact charged me {$32.00} one more time before my house sold! I want all my money back for this useless " Command Protection '' product and the public should know that it's almost impossible to get any help from TCF Bank if you run into problems paying your mortgage. If they would have helped us out on just one payment, it would have meant the world to me and my family, but they couldn't even help us one bit. I want all my money back. Over the course of my mortgage, I counted up {$6100.00} in " Command Protection '' fees that I paid for a service / protection policy I could not use. TCF will lie and say it's not " insurance ''. My mortgage rep called it insurance and sometimes on my statement it was described as insurance. This " Command Protection '' was explained to me as a protection for me and my family NOT an extra income stream for TCF Bank. I have my statements to show the charges that I can email. The statement was too big of a file to upload here on this page.
Consumer complaint received 2021-07-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: HW Holding, Inc (FL)

Hunter Warfield refuses to provide proof of debt Hunter Warfield NEVER sent notice of debt This debt was never even reported to the credit agencies so how valid can this debt be? 

Hunter Warfield refuses to provide an explanation of debt and the date it was incurred Hunter Warfield used strong arm tactics to prevent me from being approved for an apartment in which I need to live. Hunter Warfield 's tactics are illegal and have caused me to be homeless at this time. 

The balance was paid by my father so I can have an apartment and there is still no resolution to this problem.
Consumer complaint received 2019-09-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

I contacted ACE Cash Express today and they stated that my debt has been sold to XXXX ... yet another company called me about the same debt called XXXX ... 

On XX/XX/2019 I received a phone call from XXXX at XXXX from some company attempting to get documents to me for a matter that they had no information about. I asked for the number of the company that is trying to send me documents and they gave it to me along with a reference number XXXX On XX/XX/2019 at XXXX XXXX I called XXXX and gave them ( XXXX  ) my reference number XXXX and they stated Okay. So what I'm showing here, Mr. XXXX, is you are currently being pursued for breach and fraud of a contract that you had with ACE Cash Express. And it's looking like when executing the terms of repayment, you violated the binding contract with that company. Are you because of that? 

Please communicate in writing only do not call me.
Consumer complaint received 2019-01-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Pressler & Pressler, LLP (NJ)

Back in XX/XX/XXXX, my bank account was levied by Pressler and Pressler which now the name changed to another law firm. They apparently took the money owed to them which totaled to about {$210.00} and change. On top of this charge, {$150.00} was taken from my bank account which over drafted my account. The point is this, I paid these people off numerous times and they keep coming after me for more and more money. They have threatened me, threaten to sue me, and put me in jail. The last part was that when they levied my account the debt was settle. Now, I took a glance at my credit report and as of today XX/XX/XXXX, they are recharging me again with {$170.00}.
Consumer complaint received 2019-01-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (TX)

15 U.S. Code 1692g states that : a ) Notice of debt ; contentsWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a  statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. I didn't receive this notification and this debt is not owed. I don't have a contract with the creditor.
Consumer complaint received 2023-03-28
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. (FL)

I am writing to file a complaint agains TransUnion for the lack of response to my disputes that were sent. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I sent three separate disputes to TransUnion regarding errors on my credit report.

To this date, I have not received any response from TransUnion regarding the disputes. According to the Fair Credit Reporting Act ( FCRA ), TransUnion is required to investigate and correct any errors on my credit report within 30 days of receiving my dispute.

I am extremely disappointed with the lack of response from TransUnion and the continued presence of errors on my credit report. These errors are negatively impacting my credit score and hindering my ability to obtain credit.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service (TN)

I have had a revolving account since 2004 and there is derogatory account information that is not true on the account. I have called and mailed and received no response. I am a XXXX XXXX XXXX member and still have an account with Military Star card and have tried to resolve the negative issue with the account. It is in good standing and have paid all payments on time, I have disputed it through credit bureaus and still no word from the company.
Consumer complaint received 2023-03-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc. (LA)

I recently send an amount of XXXX XXXX XXXX dollars on XXXX XXXX. Located at XXXX here in Usa. My recipeient have 7 days to pick up the money but unfortunately he wasnt able to do so. And they texted me on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX that the transactions are cancelled and my card will not be charge. But until this time they have not refunded my money yet and when i called them.they say they escalated it and wait for 24 hours. Everyday i call them that is what they are telling me. And until now my money is not yet back in my account and i was afraid it will take time for them to refund my money back or worst they will not refund it thats why i asked for your help. My family dont have any food on thei table right now cause of the money that hasnt been refunded on time. My kids dont have a milk and they been patiently waitinf dor this company to refuns me. Please help me to jsut get my money back.
Consumer complaint received 2020-09-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC (DE)

Credit company reported a derogatory alert on my XXXX twice in 1 week. The dates reported as listed XX/XX/2020 and XX/XX/XXXX. This company is clearly using these tactics in a attempt to ruin my credit.
Consumer complaint received 2019-01-16
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: PLS GROUP, INC (NC)

On XX/XX/19 I was going to cash a check but was told to come back at XXXX so that the manager could call up the company to verify check. The check was from a legitament life insurance company. So I came back at XXXX. The manager took check could not get through to company but cashed it anyway. I had to checks one for {$100.00} and was charged {$5.00}. The other check was for {$70.00} and I was charged {$3.00}. Due to the fact that I was in a hardship and needed every penny I called up the corporate office in XXXX, Ill and spoke to a customer service representative and was informed that the fee is {$3.00} for {$300.00} or less. I then called the corporate office to file a complaint and spoke to a customer care representative and she informed me that it will take 3 business days for a manager or  leader to get back with me.
Consumer complaint received 2019-09-08
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. (NY)

I would like to dispute and have remove a XXXX XXXX Account with a balance of XXXX and was reported as Closed on XX/XX/2014. This Account is inaccurate and incomplete its missing a complete payment history there are several months missing and not included. I have disputed This Item several times however it continues to be verified as accurate