davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Adjustment Service, Inc. (AL)

This creditor is stating that I owe a local hospital {$50.00}. Something that I sent notarized paperwork in to dispute and that was removed from my credit. I filed an FTC report and I also have filed a police report. This is not my debt and I demand it be removed from my credit immediately and permanently.
Consumer complaint received 2019-06-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (SC)

I have never done business with Medicredit. I do not have a signed contract or a verbal agreement with this company. They are in violation of the FDCPA ( Fair Debt Collection Practices Act ). Medicredit is using the means of the US Postal service to fraud me out of money and I will be forced to notify the postal inspectors. This is extortion.
Consumer complaint received 2021-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

this company did not respond to me in a timely matter I wrote them requesting an investigation into items that I believed were INNACCURATE I havw not received a reply from them or any acknowledgment that an investigation has begun. In my previous request
Consumer complaint received 2019-06-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (AK)

I called lending club back in XX/XX/XXXX. XX/XX/XXXX to cancel my auto pay. I was told it was canceled. fast forward 6 months later, lending club without my authorization tried to pull money of out my account without me knowing it. I then called lending club, they said they would review the calls and get back to me. no one got back to me. I called again and was told there is nothing I can do. lending club makes you keep the auto pay on, clearly breaking the law. my loan number with lending club is XXXX
Consumer complaint received 2019-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

Their Experian credit report lists me as deceased and wiped all of my information from their record and said they can not change it. They referred me to call XXXX XXXX law firm but Ive tries for months to reach them by email and phone without response. 
Please help. Thanks
Consumer complaint received 2020-12-03
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 — Problem with personal statement of dispute
Company: Convergent Resources, Inc. (TX)

XX/XX/2020 I reached out to Convergent Outsourcing to validate a suspicious account on and they did have failed to provide the documentation requested in my original dispute. There response is unacceptable and I have requested them to cease and desist, stop all reporting and all attempts to collect this debt until validated.
Consumer complaint received 2018-02-03
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery continues to report an old collection account that has already been deleted from XXXX  and XXXX  years ago. I have been fighting with them for years to delete it from my XXXX  report and they keep sending letters stating that it has been verified. I have submitted proof from my XXXX and XXXX reports that I have no collection accounts. XXXX is only showing one which is from Portfolio Recovery. 
I truly believe either XXXX or Portfolio is not investigating the collection account when I dispute because I have disputed numorus times the past two years and it shows last updated in XX/XX/2016.
Consumer complaint received 2021-12-08
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (PA)

Opened up a card for discount. Unusual terms and exceptions that did not provide much of a benefit. Unclear terms and then threatening phone calls about past due amounts on purchases that were just made. Paid balance and closed the account. 

I will never by anything from XXXX again.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number documented in attached letter. 

Please provide me with : 1. What the money you say I owe is for.

2. A detailed explanation of how you calculated what you say I owe.

3. Copies of any and all papers that prove I agreed to pay what you say I owe.

4. A verification or copy of any judgment, if applicable.

5. The identity, name, and address of the original creditor.

6. Proof that the Statute of Limitations has not expired on this account.

7. Proof that you are licensed to collect in my state.

8. Your license numbers and Registered Agent or Agent of Service. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( XXXX, XXXX or TransUnion ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED XXXX  XXXX  ' MY NAME AND ADDRESS HAS ERRORS AND WRONG PREVIOUS ADDRESSES NOT FACTUAL
Consumer complaint received 2018-02-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (IA)

I bought. XXXX bitcoin in XX/XX/XXXX and used coinbase as my wallet. InXX/XX/XXXX, I realized how much money that was and tried to log back in to sell part of my bitcoin. Unfortunately, the email that I used was one I had just lost access to earlier that month. I emailed coinbase support on XX/XX/XXXX after taking all of the steps necessary to regain access to my funds ( set up new account, verified identity, linked same bank account, etc ). On XX/XX/XXXX I got an generic automated email back that did not at all acknowledge that I had already specified it was a 'priority issue ' so I emailed them back all of my information again. On XX/XX/XXXX I received an email that they were working with a 'specialist ' to finalize the transfer and that they would follow up as soon as the transfer was complete or if they had any other questions. I emailed them on XX/XX/XXXX to check for an update because I still had no money. It is now XX/XX/XXXX and I have heard nothing and still have no access to my money. From the moment I contacted them 5 weeks ago, I have watched my money diminish. I feel like I'm being intentionally made to wait and wait until my bitcoin is worth a fraction of what it was when I first contacted them.
Consumer complaint received 2021-10-25
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. (KS)

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND A REPOSESSION THAT HAS AN AMOUNT OWING THAT IS WRONG AND ACCOUNTS THAT ARE NOT MINE AND NAMES AND ADDRESSES THAT ARE WRONG. A LETTER OF EXPLANATION IS ENCLOSED.
Consumer complaint received 2020-01-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (CA)

On XX/XX/XXXX, I saw that I had a new medical debt in collection with CMRE Financial Services and the Original Creditor : XXXX XXXX XXXX XXXX. I never received any bills, nor phone calls from either company. I called CMRE the same day asking them for the contact information to XXXX XXXX  and informed them that I never received any bills. CMRE refused to provide the information and told me they made several attempts to contact me at an address and phone number I haven't had and lived at for over 10 years. The rep I spoke with attempted to collect the debt, but I refused because I needed proof of the debt first. I found XXXX XXXX 's phone number on their website, and made several calls, left messages, and sent emails, but I couldn't get through and no response. On XX/XX/XXXX, I called my health insurance company asking them if XXXX XXXX ever filed a claim with them for their services, and my insurance rep was not able to find any claims from XXXX XXXX. My insurance rep was able to put me on 3-way and called XXXX XXXX 's billing department on another number and was able to get XXXX on the phone. XXXX confirmed that they did not submit a claim because they did not have my insurance information. She also did not have the correct phone number and address for me. I asked who gave her incorrect information on me, and she let me know XXXX XXXX XXXX XXXX XXXX did. I knew this to be true because they gave the wrong information on me to all the medical companies that provided me service on XX/XX/XXXX. I had to call every single one that submitted claims to update my address and send me the bills. I even called XXXX XXXX XXXX asking them to make sure they update my information and send it to all parties that will be billing me, but apparently, they did not. I gave XXXX at XXXX XXXX my correct information and asked her to submit a claim to my insurance company. I asked her to take back the debt from CMRE and have them remove the collection from my credit report since I will pay the bill once I receive it. She told me she herself can not remove the collection until it is paid in full. I argued that it should've never went to collection in the first place since I had no knowledge of the debt and I want it to be completely removed. She told me she will take back account from CMRE, submit the claim for me, and will tell CMRE to remove the collection from my credit report. I asked her to send me that in writing that she will have CMRE remove the collection, and she said she would. I called CMRE to inform them and they told me they will only do what their client tells them to do. I filed disputes with all 3 credit bureaus, and still, no changes were made because CMRE reported back that information was accurate. As of today, XX/XX/XXXX, I still do not see a claim submitted to my insurance company. I still have not received any bills. No updates. Nothing.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-16
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: EQUIFAX, INC. (MS)

I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately.
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE ACCOUNT LISTED BELOW IS STILL FOUND AND NEEDS TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX - XXXX XXXX $ XXXX Opened : XX/XX/XXXX, XXXX
Consumer complaint received 2022-11-16
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. (MS)

I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately.
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I had late payments on my account from XX/XX/2019 to XX/XX/2019. I did a modification which started XX/XX/2019. I was told no late payment would be reported. I have tried very hard to work with XXXX XXXX and the credit bureaus. I have gotten nowhere. I am looking for someone to assist me with getting this resolved.
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had late payments on my account from XX/XX/2019 to XX/XX/2019. I did a modification which started XX/XX/2019. I was told no late payment would be reported. I have tried very hard to work with XXXX XXXX and the credit bureaus. I have gotten nowhere. I am looking for someone to assist me with getting this resolved.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2018-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (FL)

On XX/XX/2018, I made a payment from XXXX XXXX XXXX disbursements back to the loan, which was issued on XX/XX/2018. I made this payment, as it was more than what I actually needed of the loan, and as I have discussed many times with Nelnet, my loan service provider, when we make a payment within 120 days of the disbursement of a loan, we would like it to be applied to principal only, as is our right. They did not apply this payment to principal only, but to principal and interest as they are wont to do, and do every time with every loan. I have been repeatedly told by Nelnet that they have it in my notes, and will make sure that this doesn't  happen again, but every time a new loan is dispersed, I have to go through this again, and contact you again. I believe that this is a predatory loan practice, and basically a scam to make even more money off the backs of students.
Consumer complaint received 2021-10-25
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. (AL)

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. I sent letters on XX/XX/XXXX XX/XX/XXXX and today XX/XX/XXXX and sill have these incorrect items. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation, and you did not notate this debt was in dispute. Not only have you ignored my prior requests for validation of debt, but you continue to report this debt to the credit bureaus causing damage to my character. I know by law these must be deleted and I am owed {$1000.00} per violation. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 

XXXX & XXXX XXXX Last verified, date of last activity, date opened, closed date are all reporting incorrectly. I also know that XXXX uses deceptive practices and I feel as if this is one of those cases. 

Equifax- Is reporting a debt that I have no way of knowing what it is because they do not show a creditor. This must be deleted, how is this affecting my credit but I have no way of knowing who its from!!!!
Consumer complaint received 2020-12-02
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. (GA)

I filed a complaint and asked for addresses to be removed XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX  XXXX, Va XXXX I never lived at these addresses and I have accounts linked To this address someone is syncing my credit it's an account I'm asking that these addresses be removed from my account I have already submitted one compliant and you said I didn't create that compliant XXXX is another number that isn't my number Either I'm asking for this information to be removed it is inaccurate.
Consumer complaint received 2019-03-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

Hello, In 2016 I had an account with Wells Fargo, I have a confirmed case of Identity Fraud through the IRS and fraudulent activity was conducted through my account. I disputed and put in a claim through Wells Fargo which I won and some but not all funds were reversed back to my account causing my account to be in the negatives and eventually Wells Fargo closing my account because I did not want to be liable for fraudulent activity on my account.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (IN)

On or around XXXX and XXXX I was getting a lot of pre approvals from Credit Karm. At first I didn't pay attention to them but Credit Karma kept sending me different pre approvals telling me I was pre approved for credit cards, for car and home loans as well as personal loans, everyday. Everyday, I would see these offers every time I logged into my account to check my credit score I would see these pre approvals. After being told I was pre approved day after day I put myself in the perfect position to apply multiple times. I was receiving so many offers through Credit Karma I started to tell my friends and family that we were going on our first vacation and I found great investment opportunities that we would be using the pre approvals to invest in. I finally applied on or around XXXX and XXXX and got denied Every single time. I applied for XXXX personal loans at {$15000.00} each, I applied for XXXX credit cards at {$5000.00} each, and a home loan at {$20000.00}. Even though I was pre approved for everytime I still got denied. I was distraught, I was stressed, I was very angry and I felt deceived. I was a marketed to for months and the following year. Credit Karma told me I was pre approved every time and this was a lie! I was severely stressed out. I suffered from XXXX XXXX with XXXX that left me XXXX XXXX XXXX XXXX that lasted for weeks along with becoming withdrawn from daily activities with friends and family outings. I became very angry and that affected my daily activities, my daily job, and time with my family. Now every time I see a pre approval I immediately close my phone and shut off my desktop. This experience has made me uneasy, uncomfortable, and untrustworthy of any pre approvals that I have not checked my consumer report as frequently as I should.