davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (NY)

I have contacted collector, Medical Data Systems I, trying to obtain information on what the {$350.00} debt is that they are reporting on my credit, date opened XX/XX/XXXX. The collector only attempted using word tricks to try and get me to admit I owe this debt. I requested a detailed statement, and never received. I have disputed the collection with XXXX  3 times. All 3 times requesting supporting documentation for the unknown debt. The collector reported back to XXXX all 3 times as accurate, but still has not provided any detail to what they are trying to collect. 
XXXX disputes : XX/XX/XXXX # XXXX responded as accurate, no documentation provided. 
XX/XX/XXXX # XXXX responded as accurate, no documentation provided. 
XX/XX/XXXX # XXXX responded as accurate, no documentation provided. 
I have exhausted my attempts to remove this unknown debt from my credit report and can't get any cooperation from the creditor. I had an XXXX credit score until this collector has ruined my credit. I have no documentation to include with my complaint since I have no knowledge of owing this debt.
Consumer complaint received 2017-07-21
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. (CT)

I have tried numerous time to have this information remove from my credit report trans union, XXXX, and XXXX have not complied to my request I 've disputed the company XXXX XXXX XXXX as well as XXXX XXXX XXXX as fraudulent activity on my credit report I 've fax in a police report of identity theft and to no avail this matter is still on all three credit reporting agency I want this to be removed from all three credit bureaus the customer service representative of all three agencies are rude and they do not look into the disputes that I have filed on line to no avail this is a nusense to me in every aspect of the the way
Consumer complaint received 2021-07-14
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. (MD)

XXXX equifax & XXXX XXXX all report an unverified delinquent account ( XXXX XXXX XXXX charge off ) to my credit profile. i have filled mail in disputes with all three bureaus as of XX/XX/2021. i have also mailed demand to comply letters. still no response.
Consumer complaint received 2021-02-28
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: EQUIFAX, INC. (TX)

I received alerts and a letter dated XX/XX/2021 that a credit inquiry had been placed on my account regarding a denied request for a credit line increase from XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, SD XXXX. I did not solicit a credit line increase nor did I provide my information to such XXXX XXXX provider in order to have an inquiry into my credit report. I called the company and was told that it must be an error and I would have to dispute it with the credit agencies for the inquiry to be deleted. 

I hereby solicit that the inquiry be removed for it was not authorized nor did permissible purpose exist in any way for my credit to be affected or revised.
Consumer complaint received 2020-06-30
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MN)

On XX/XX/XXXX I applied online for XXXX XXXX credit card to purchase flooring. The card is through Synchrony HOME credit card. I was accepted within minutes with a credit limit of {$6300.00} being given. I immediately reached out and asked for a increase since my purchase exceeded this amount. I had created an online account and requested through this and also through the email notification of acceptance that I received. I received email responses saying they received my request ( s ). I had not heard back on XX/XX/XXXX and I needed to place the flooring order, so I called and first talked with XXXX and then XXXX, a manager. XXXX told me that my increase request in limit was being denied because I did not experience on the current line. I shared that this did not make sense, I had newly applied. He added that I never had an account with me and also no history. That day when I got home I had a letter ( attached ) denying my increase request for the reason - insufficient experience at your current credit line. On the back of the letter it states that I can request a copy of my credit report from the credit reporting agency, and if no agency is listed, a credit report was not utilized in making the decision. I then went to a credit monitoring service and discovered that Synchrony had pulled my credit report on XX/XX/XXXX and XXXX, XXXX ( attacched ). They provided false information. Synchrony seemed familiar to me and then I discovered that I have a credit card with them for another store since XXXX of XXXX. Again, false information they are providing to me. I have excellent credit history, no debt, and this experience was so unusual that I felt the need to report their practice of providing false and inaccurate information to a potential customer.
Consumer complaint received 2021-07-14
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. (MD)

XXXX XXXX & trans union all report an unverified delinquent account ( XXXX XXXX XXXX charge off ) to my credit profile. i have filled mail in disputes with all three bureaus as of XX/XX/2021. i have also mailed demand to comply letters. still no response.
Consumer complaint received 2021-02-28
Product: Debt collection — Mortgage debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Specialized Loan Servicing Holdings LLC (MI)

My mortgage company is not updating the three credit reporting agencies, XXXX, XXXX and XXXX about the status of my payments. Since XX/XX/XXXX, my credit report indicates " No info ''. However, I have made all of my mortgage payments on time and in full since XX/XX/XXXX, thru today. I have sent supporting documentation to the credit reporting agencies for proof. This information was passed along to my mortgage company.
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research and educated myself on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts in collections now and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts owed in hopes of starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet resulting in my credit being damaged because of it. They informed me that they would stop reporting the accounts but haven't.
Consumer complaint received 2021-02-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Repeated calls about collecting a debt, but the debtor 's name they are trying to reach each time is different and the person receiving the calls is none of the people they are seeking, yet they continue to call asking for different people owing money. 

These calls are all identified as Portfolio Recovery on caller ID, but a different phone number is displayed during each call. Examples : XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX
Consumer complaint received 2020-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (CA)

Southwest Credit Systems sent me a collection notice for a bill from " XXXX XXXX XXXX ''. I have never missed a payment for any bill, including my Internet bill. Further, my ISP is XXXX, which is a brand of XXXX XXXX. XXXX hasn't been around since 2016. I called XXXX to confirm my account is in good standing, which it is.
Consumer complaint received 2018-02-23
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. (NY)

I tried to pay on my account multiple times, they said the payment was accepted and processed and then weeks later they would not inform me that it was not processed properly but i would see my current balance was exceeded my normal monthly payment, currently i have caught up on payments but i was caused to incur late charges from them as well as my bank for returned check or overdraft which was not the case. Because of this my credit took a serious hit because they reported a serious delinquency.
Consumer complaint received 2020-07-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

On or about XX/XX/2020, I applied for an auto loan through Capital One, and got pre-approved for {$35000.00}. Found the car I wanted ( Only cost XXXX ). I submitted all the paperwork they requested and they gave me an approval number. I did all the loan paperwork, handed over my deposit and the dealer gave me the car. Almost a month goes by then Capital One says they now need employment verification and my boss needs to call them. They refuse to call my work, they say my work has to call them. My boss attempts to call Cap One 's underwriter. One hour on hold and she hangs up because she actually has work to do. Calls again. And again. Day after day. Still unable to get through. Finally, she gets through, verifies everything and they tell her the loan is good to go. Then they called me and told me everything was now fine and the dealership would receive the funding. A week later they call again and say they need my boss to call and verify my employment. Again. So she calls and can't get through. Days later she finally gets through and once again verifies everything. The underwriter tells her he has everything he needs and the loan is approved. Today they called and said the pre-approval had expired so I would need to reapply or turn over years of tax returns. I'm not buying a XXXX, just a normal, inexpensive used car that is {$8000.00}. And in the month that I've had the car, Cap One did hard pulls on my credit six times. So my credit score now dropped. And I traded in my car so I can't get that back. Now I'm stuck trying to get other funding with a lower credit score from them doing repeated hard pulls, or having to return the vehicle with no alternate vehicle since my original one is now gone. And the dealership may not return my deposit.
Consumer complaint received 2020-07-16
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2018-02-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DIRECMANAGEMENT, INC. (TX)

I've had tried to contact XXXX XXXX XXXX, on numerous occasions concerning several debts in which I have no knowledge of. I have requested debt validation and/or contract agreements between XXXX XXXX XXXX and myself, but they have failed to provide them. They have illegally scared my credit and violated my rights under the HIPPA Privacy Act. Please help me to resolve this matter promptly. XXXX XXXX XXXX is located at : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX. 


Sincerely,
Consumer complaint received 2022-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC (CA)

I have reached out to XXXX around XXXX of XXXX  and through out may to dispute a fraudulent charge under my name for {$3800.00}. I have never opened an account with XXXX i was told they couldn't do anything and to contact the debt collector. I have no idea which debt collector to contact since i was never sent a lettter, email or phone calls about this debt. I wasn't given the option to dispute this debt through XXXX  nor XXXX. This charge for XXXX dollars was XXXX fraudulently and i have XXXX information about this account.
Consumer complaint received 2020-04-30
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 — Their investigation did not fix an error on your report
Company: AMERICAN HONDA FINANCE CORP (CA)

So back in XXXX we leased Honda from American Honda, all payments terms of 36 months were paid on time. However when we returned the car no one told us that there is return fee. No mail, no phone calls, then I noticed 30 day delinquent in my credit report. When I called them to ask why is this, they hanged up the phone and told me this is not our problem and you shouldve known Since then XXXX cant fix this 30 day.
Consumer complaint received 2018-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (GA)

On XX/XX/XXXX Roundpoint Mortgage issued a check out of my escrow account in the amount of {$1600.00}. My XXXX County Property taxes were {$1400.00}. This removal of funds from my escrow account lead to my escrow account being short for my tax payment. I was sent a letter by Roundpoint to pay over {$300.00} to get my escrow account back to where it needed to be. Then on XX/XX/XXXX Roundpoint supposedly issued a check for {$66.00} when a month prior had requested me pay {$300.00}. I did not receive this check. So the funds should be counted in my escrow account. 

On XXXX XXXX both I and Roundpoint mortgage received my annual notice of asessment from XXXX County Board PF Tax Assessors assessing my taxes at {$1500.00}. I filed a complaint with the CFPB in XX/XX/XXXX for Roundpoint and National General ( who services Roundpoint Mortgages escrow accounts ) for non-payment of my annual homeowners insurance. On XX/XX/XXXX Roundpoint removed {$330.00} from my escrow account. My current escrow balance is {$780.00} which will not cover my {$1500.00} tax bill in XXXX. 


Since purchasing my loan from XXXX XXXX, Roundpoint has mismanaged my escrow account. That have caused undo hassle, stress, and inconvenience by Constantly removing funds from my escrow account and then requesting that I pay a shortage. I feel as if this is fraudulent activity to lure me into having to pay fees for not maintaining an adequate escrow balance.
Consumer complaint received 2020-11-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (AL)

XX/XX/2020, I sent a letter to Jefferson Capital Systems, after already disputing the account, stating a settlement offer on an account. Upon cashing the money order, they would agree to completely remove all references to this account with all the credit bureaus, agree to not list as paid collection or settled account, and agree payment was satisfying the debt in full. I also requested settlement within 15 calender days from receipt of payment. On XX/XX/2020, the XXXX XXXX money order, # XXXX was cashed. As of XX/XX/2020, I have not received any notice and the account is still showing on my credit reports, and still listed as active and showing a balance due and not settled. I disputed the entry still being on my credit report with XXXX  and XXXX, sent them a copy of this letter and money order and they came back as verified account but did not remove and said it would remain. I request all references to be removed from my credit reports, as they have agreed to my settlement terms by cashing the money order, and it is beyond the 15 calendar days since received.
Consumer complaint received 2018-09-17
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. (TN)

Debt was paid to XXXX XXXX XXXX and they agreed to remove negative trade lines on the grounds i was never informed of the debt via my ex wife who was receiving notifications to the home i was court ordered to provide.
Consumer complaint received 2018-09-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC. (MD)

I have sent IQ Data International, Inc. at least three ( 3 ) Debt Validation letters requesting proof that I owe them any money. I have asked them to provide me proof that I signed any letter or invoice stating that I would pay them for any service. They have failed to provide me with any proof. I have asked them to stop reporting this alleged debt to the three ( 3 ) major credit reporting bureau 's ( XXXX XXXX, XXXX and XXXX ) until they provide me with the proof I have requested, they have failed to stop reporting this alleged debt.
Consumer complaint received 2021-11-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants Adjustment Service, Inc. (MS)

on XX/XX/2021, i sent MERCHANTS ADJUSTMENT SERVICE, INC a letter about a alleged debt of XXXX that i don't owe nor had any dealing with. i requested certain information as follows : ( 1 ) a copy of a contract or agreement signed by me and the alleged original creditor that expressly authorized my legal obligation to pay the amount that you are now attempting to collect from me ; ( 2 ) proof that you are authorized to collect the debt on behalf of the original creditor or as owner, which may include a debt collection contract, if a debt collector, or bill of sale, if a debt buyer ; and ( 3 ) evidence and itemization of the amount due on the alleged debt, which may include proof of payment and receipt by me of any funds loaned or proof of charges for funds advanced for me. You are illegally attempting to collect the subject alleged debt because I do not owe that amount. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your requests to CRAs to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney.
Consumer complaint received 2021-02-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Suburban Credit Corporation (OH)

Last summer, Suburban Credit Corporation began attempting to collect a debt I do not recognize or owe. I sought more information in XXXX XXXX XXXX, and they sent only a bill that I had never received and that in no way demonstrated that I had incurred the debt. I also told Suburban Credit Corporation by phone at that time to stop contacting me. Because this is a medical debt, I also contacted my insurance company in the summer of XXXX which told me that I have no outstanding bills and that there is nothing attached to my name that indicates I owe any money or received any treatment that was not paid for. Then in XXXX of this year, Suburban Credit Corporation again began attempting to collect the debt by mail. Contemporaneously with this complaint I am sending a letter disputing the debt.
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: First Federal Credit Control, Inc. (OH)

I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.