davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

On Friday, XX/XX/XXXX, I called and spoke to a representative from Portfolio Recoverys legal department, to inquire about the balance on a XXXX account # XXXX. The representative stated that as a result of a default judgment that occurred on Monday, XX/XX/XXXX, at the XXXX Civil Court, the balance owed would be {$1300.00}. 

I informed the representative that at no time did I receive, or was I served a summons for the above-mentioned account, at my current address XXXX XXXX XXXX XXXX, NY XXXX. I have been living at this address since XX/XX/XXXX. This is the same address that XXXX had on record as of XX/XX/XXXX, and was the same address when Portfolio Recovery purchased the account on XX/XX/XXXX. 

Portfolio Recovery filed a lawsuit against me, and obtained a default judgment, knowing my current address, but failed to personally serve me, or even mail me a copy of the summons. I had no idea Portfolio Recovery filed a lawsuit against me, or the outcome until 3 days ago. 

From what I understand, this is a violation of the Fair Debt Collection Practices Act. ( FDCPA ) This collection account is also reporting inaccurately on my credit report, which is a violation of the Fair Credit Reporting Act. ( FCRA ) I am hoping to resolve this issue without having to obtaining legal counsel to have the default judgment vacated, and file a countersuit.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

It is crucial to acknowledge that I did not provide authorization for these accounts, and their presence is causing me considerable distress. I kindly request that you prioritize this issue, thoroughly investigate the situation, and expeditiously eliminate these unauthorized accounts from my credit report. Your swift attention to and resolution of this matter are greatly valued.
Consumer complaint received 2022-04-06
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 2022-04-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE (MI)

On saturday XX/XX/2022, I submitted a check i received from a trusted person. The amount totaling XXXX. Huntington bank held it, put a hold on my account and as of XX/XX/2022, my account is closing and the Huntington is sending the check back. The trusted person 's check was certified and he is very upset about it, as am I.
Consumer complaint received 2021-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (FL)

I received an email on XX/XX/2021 at XXXX XXXX stating that a XXXX transaction was made in the amount of {$980.00}. I called TD bank immediately letting them know that I didn't make this or authorize it. They told me that they need to cancel my debit card so I did. The next day I went to Td bank and got a new card. Then I called in again to follow up and was told that the fraud was on my bank account not my debit card and that they need to shut down my account. By that time TD bank already processed the XXXX payment and the money was taken out of the account. I do not know this person nor have I ever XXXX this person any money. TD bank did not protect me or my account. I have called numerous times with no resolve. I contacted the FTC and filed a report and a police report and provided it to TD Bank with no resolve. The case number with TD bank is XXXX.
Consumer complaint received 2018-04-06
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. (GA)

I recently disputed collections ( XX/XX/2018 ) with all three of the credit bureaus ( XXXX, Transunion and XXXX  ). I've asked them to validate these collection debts and all of my disputes were updated as verified with no further information. There are three collections : XXXX XXXX for {$340.00}, XXXX XXXX for {$870.00} and XXXX XXXX and XXXX XXXX for {$460.00} ( I don't understand why 2 different debt collectors are able to collect ). I do not recall opening these accounts nor have I given permission for anyone to open these accounts. The credit bureaus have not validated these collections ( I did not sign any contracts or anything ) ; just verified and that does not prove how these collections have come about.
Consumer complaint received 2023-01-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

On XX/XX/2022, I sent a certified letter to XXXX XXXX about debt validation, and they could not validate the debt. so, I sent Equifax. a copy of the letter and copy of the certified receipt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, Nv. XXXX ( XXXX ) XXXX Certified Mail Tracking # XXXX XXXX XXXX XXXX XXXX {$2100.00} is the debt amount.
Consumer complaint received 2021-08-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc. (VA)

I checked my credit report today and realized I had a collection from Eastern Account System that I was unaware of. My credit dropped from a perfect XXXX to XXXX because of this. I never received a letter or collection from Eastern Account System. 

The report says this was reported to credit bureau XX/XX/21.
Consumer complaint received 2019-11-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc. (GA)

I am being asked to pay a debt that i do not owe. I was fraudulently charged for services by a XXXX   Provider who was not Authorized as a Network Provider. The Provider did not disclose that he was not a XXXX XXXX  Provider and submitted a claim that was denied by my insurance company. I HAVE INCLUDED PROOF OF MY COVERAGE AT 90-100 % at the time service was rendered. I have provided proof that the Provider was not authorized at the time of service.I do not owe this debt. I am being billed due to negligence on the providers part. This bill has been sent to CHOICE RECOVERY who is demanding payment. I do not owe this debt. I have informed CHOICE RECOVERY THAT I DO NOT OWE THIS DEBT and they illegally placed this item as unpaid debt on my credit profile. This has caused a negative impact on my credit rating.
Consumer complaint received 2023-07-26
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. (VT)

I had reached XXXX XXXX, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Im not liable for this debt with XXXX XXXX. I dont have a contract with XXXX XXXX XXXX XXXX I reviewed my consumer report and Ive noticed in accurate account or accounts on my consumer report Im referring to this frivolous account # XXXX XXXX XXXX A consumer reporting agency have consume the vital role have a responsibility to report consumer information to the best of there ability with maximum accuracy. I have contacted EXPERIAN have ask the to reinvestigate and remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act : and this disputed item may not appear on my credit report if it can not be supported by any evidence of proof. I DEMAND THIS ACCOUNT TO BE REMOVED
Consumer complaint received 2020-11-27
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: Bread Financial Holdings, Inc. (TX)

Good Day, My name is XXXX XXXX XXXX and I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Consumer complaint received 2018-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Peak Acceptance, LLC. (TX)

I had a car loan with Peak Acceptance LLC XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX The loan was opened in XX/XX/XXXX and the car was repoed in XX/XX/XXXX since then they still have the account as open and late payments reported on my credit every month for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX I have called them and asked them to close the account and take the late payments off from the time they took the vehicle back. I have disputed on credit report but the come back saying the information is accurate but it is not.
Consumer complaint received 2023-02-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSWORLD SYSTEMS INC (CA)

On Saturday XX/XX/XXXX at XXXX I received a call from Nationwide Credit Inc ( XXXX ) and spoke with a representative. Usually I don't answer unknown numbers but because my Identity has been stolen, I'm receiving calls from Banks in regards to my credit freeze and fraud alert. So I'm answering every call I receive because I don't know if it's a bank or not. I wasn't aware of Nationwide as a debt collector so I did not want to give my personal information to the representative, I said I would call back because I need to verify the information. But the representative became very pushy and aggressive and I told him I don't trust him and I don't know if he's a scammer too so I'll call back. The representative hung up the phone and immediately called me back on a separate line ( fake phone # XXXX at XXXX ) to cuss me out, insult my wife and mother, and make threats against me. It was clearly the same guy because it was the exact same voice and he said he was going to use my information to steal my identity as well. I hung up on him and first verified NationWide Credit as a debt collector and then called them back to report him but the offices were not open because it was the weekend. 
I included documentation showing that they are a debt collector attempting to collect a debt ( I found a correspondence from them ) and screenshots from my phone of the incoming calls, the time of the calls and the duration of each ( which shows he called me immediately ).
Consumer complaint received 2023-02-06
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: Rosebud Economic Development Corporation (PA)

XXXX alerted me to a pay day loan initiated with my information on XX/XX/XXXX twice and XX/XX/XXXX. I spoke w/ XXXX XXXX who advised me to file a claim w/ XXXX  and to freeze my XXXX XXXX. Upon receipt of the XXXX XXXX Report, it showed fraudulent information : Rosebud Lending, XXXX XXXX  ZocXXXXLoans. XXXX, XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I called XXXX on XXXX when I received the DataX report and spoke w/ " XXXX '' She stated there was no information with my name, email or phone numbers. I would not provide my social security number without providing a report to your agency and FTC first. I am not XXXX XXXX and never applied for this loan.
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (TX)

I written your division through the years and nothing was ever resolved, my complaint 's started with XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX, I report them as fraud when I found out in XX/XX/XXXX my home was paid in full and I do not have a mortgage, On XX/XX/XXXX XXXX XXXX XXXX XXXX has transferred the services to Community Loan Services and last I spoke with them on XX/XX/XXXX I informed them I owed nothing on my home, but they are reporting to the credit bureau Derogatory status on my credit report in the amount of XXXX. If it was deteremined that XXXX XXXX XXXX was Fraud and should not have been collecting any payments on my home this new company is attempting to do the same thing. I've owned my home since XXXX with XXXX in additional payments. 

Get proof the loan exist.
Consumer complaint received 2018-07-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

I have a a unverified account from XXXX. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I BELIEVE THIS IS A HIPPA ACT VIOLATION AS WELL.

I request that XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2022-01-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation (TX)

United Revenue Corp placed a collection on my consumer credit report without following the proper procedures and they are in VIOLATION of the following federal laws : 15 USC 1692G-I never received an initial communication from this debt collection company about the alleged debt or the ORIGINAL CREDITOR. Within 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. Also, this company is NOT the original creditor for the alleged debt how can this debt be validated I have never had a contract or a wet signature with United Revenue Corp . According to 15 USC 1692J-United Revenue Corp is in violation of this law as well as the alleged debt that is currently reporting on my consumer credit report hasn't been validated by myself as the original creditor or the closed hospital the is reporting. ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. This is also a HIPPA violation for reporting an alleged debt without my consent or providing me the signed HIPPA notice
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Service Finance Holdings, LLC (GA)

Thiis installment loan was for the purchase of an HVAC in XXXX. My wife and I are borrower and coborrower on the account. In XXXX she alone filed for bankruptcy and the statements were no longer sent to her. Instead of send them to me as the coborrower they did not send any at all. They have put a 90 day late/charge off on the account, though they listed 30 day late in XXXX, no data on the credit report for XXXX. Theyve listed the account as charged off, but we have a letter stating the account is paid in full and they agreed to settle. The credit report also states the original balance was {$14000.00} and written off was {$14000.00}, but again we have a letter stating the account was paid in full..so there is no charge off. We also have payment history and receipt of the final payment of {$7000.00} on XXXX XXXX. So, clearly the information is incorrect. They did not report this payment, and just reported this account as closed. We have disputed this several times, but it has yet to be corrected. We need the charge off to be removed completely from this account.
Consumer complaint received 2022-01-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

On XX/XX/XXXX i purchased XXXX gyen on XX/XX/XXXX I purchased XXXX XXXX gyen from the exchange coinbase. After i putchesed i tried to remove XXXX XXXX transaction then XXXX canceled after it went through by coinbase because they had an issue with there system then they locked my account for more then 2 weeks and i lost 75 % of my investment intial investment because of there negligence and then they changed my transaction from XXXX XXXX to XXXX XXXX and XXXX XXXX to XXXX XXXX They stolen millions from us i part of a group 2000+ people they did this to also i have all proof prooving
Consumer complaint received 2020-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (TN)

On or around XX/XX/2020I applied so American express credit card for my small bussiness after applying for this card explain to credit card provider what are my chance of getting approved he said 100 percent chance after explains to him that I XXXX he said don't worry you will be approved so applied over the phone did. I was denied than mark matter worst it hard inquire on my report so American express just straight out took avantage of me.
Consumer complaint received 2019-11-06
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. (VA)

I have contacted Transunion, XXXX, and XXXX several times via phone online, and by mail, on many occasions in regards to inquiries that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look like I have been begging for credit and I have not. I am trying to purchase a home and it makes it difficult when theyre checking credit and I have inquiries from places I didnt inquire credit from. I have disputed and reach out to the bureaus several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. The following inquiries that were not authorized are the following : XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 
XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX