davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-13
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Relin, Goldstein & Crane, LLP (NY)

I have been on a wild goose chase, just trying to pay one {$200.00} debt that I did n't even know I owed. 

It started when I found out my debt was referred to a group called the XXXX XXXX XXXX. The only information I could find about them was an AOL.com email address, a PO Box and a XXXX business listing that stated they were " Permanently closed. '' I sent them an email and a letter asking for more to confirm their business was a legitimate one. They declined to respond, but one week after I filed my first complaint against them they referred my case to a law firm, Relin , Goldstein & Crane, LLP. I asked that we only communicate by email and they agreed. 

At first they were very responsive, but then I suffered a death in the family and my attention was diverted. At the beginning of this month I started to put my life back together and reached out to them. 

They indicated that they would pursue legal action against me if I failed to pay the debt, however they now have not responded to XXXX communications I sent, eager to resolve this matter. 

This is a small debt that I 'd love to get out of the way, but I do n't want to finance an illegitimate business.
Consumer complaint received 2016-04-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc. (CA)

Doctor 's office was given XXXX insurance information before being seen. Secretary too medical card, made copy and still presented me with a bill. Bill has now gone to collections and is on my credit report. Bill should have been paid in full by XXXX.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (FL)

Under my knowledge after checking my credit report and doing further research I request further investigation under my knowledge a charge off can not have a balance being that the company has filed a 1099-c meaning the debt has been paid .Please DELETE this inaccurate.information form my credit report
Consumer complaint received 2016-10-06
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (WA)

I had dealings with a XXXX company that had several names, at least XXXX in the United States and XXXX in the XXXX. I requested more information from the XXXX based business called XXXX, but was contacted by the XXXX based business called XXXX which is a subsidiary of XXXX, also XXXX and has also overlapping personnel with the XXXX business called XXXX options. I did business with them for a little over a month from XXXX XXXX, XXXX to the middle of XXXX XXXX. In this short time they swindled me out of over {$40000.00} XXXX. I complained to Wells Fargo Dispute Resolution Center on XXXX XXXX, XXXX and they commenced a chargeback. I was then contacted by the broker from XXXX XXXX who threatened me with legal action if I persisted in the chargeback. I then cancelled all the chargebacks and attempted to resolve the issue with the company. However despite my cancelling the chargebacks, the charge backs proceeded and I then made the decision to let the bank do its work, since these individuals did not stick with the plan that we had just agreed on. The bank then proceeded to get some of the money back from the credit card transactions but then failed to even try to recover the money from the debit card transactions
Consumer complaint received 2016-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Inquiries were removed and re added without notification or reasoning. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-02-10
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: Security Credit Services, LLC (FL)

On XXXX credit reporting reported derogatory information on my credit report regarding a fraudulent collection item from Security Credit Services in XXXX, XXXX XXXX XXXX XXXX in XXXX, OH. I notified all three companies that this was identity fraud. Both companies acknowledged the identity fraud and promised to remove the issue but XXXX is still reporting it on my credit report.
Consumer complaint received 2020-09-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (TX)

I have a collection with this company that dates from XXXX, from a broken lease with the apartment complex. Upon moving from this complex, I did not receive a move out statement. Regardless, this went into collections with IQ international Data. I have called a couple of times to discuss this debt, however, each time I have been told that I am being charged interest on the debt. On XX/XX/XXXX, I spoke with an agent who explained to me that I am being charge a 6 % fee per annum. She read out the move out statement. I asked for this to be sent to me. I also questioned the interest being charged as I have never heard of something like this, and it just did not " seem right '' when I did not sign anything which made me aware of this interest, nor is this anything normal in tenant practice and was not within the lease agreement. The agent informed me that she was not sure as she is not from Texas. I understood, but asked to be sent some sort of proof of contract stating that I was aware of the interest being charged. She stated she does not have any contract stating such. I informed the agent I would have to contact someone regarding this issue as I never signed a contract agreeing to such things. I believe that the interest being charged is a violation of Texas Finance Code 392.303. which states that a debt collector may not use unfair or unconscionable means that employ collecting or attempting to collect interest or a charge, fee or expense incidental to the obligation unless the interest or incidental charge, fee or expense is expressly authorized by the agreement creating the obligation or legally chargeable to the consumer. The company is unable to produce a signed contract which would prove that was made aware of such interest being charged to any balance owed to the original debtor if the term of the contract was not honored. Since they are not able to produce such proof, I am inclined to question where they are gathering that they have the legal right to charge such interest on a debt that is owed and has been placed into collections. In addition, I question if they have the legal right to charge on this debt until the amount is paid. This debt was not given as a " credit '' nor was I made aware upon contract signature of any interest being owed under the tenant contract. I am inclined to believe that the company is illegally charging interest without cause or justification and are reporting it on my credit monthly in order to coax me into paying for the debt. The amount being owed on my credit is not the original charge off amount.
Consumer complaint received 2015-08-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NV)

I have sent several requests to Experian requesting an investigation of my accounts. It has been months and I still have not received a response to my concerns. The only thing I have received is some automated rejection letter stating that they wo n't do anything to help me ( please see attached ). 
This has to be a violation of my rights. I feel like I 've already wasted so much time just trying to get Experian to look at the errors on my credit report and I 'm so frustrated that Experian is intentionally not responding to my inquiries. I need to have this issue resolved immediately. There are many things I need to do with my life and they all involve my credit. But I am not able to move forward all because of this credit bureau!
Consumer complaint received 2023-03-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Pivot Rock Solutions, LLC (CO)

A payoff statement was requested in XXXX  and XX/XX/XXXXXXXX Remittance was submitted to pivot rock solutions. A form 1099c was filed for XXXX  tax year without prejudice and accepted by the IRS. A 1099-C was sent to Pivot Rock Solutions at the beginning of XXXX. Per the IRS, consumers are not required to report both the income and pay of the debt after it is canceled or discharged. In re Reed, XXXX  PTC 105 ( Bankr. E.D. TennXXXX XXXX ). Pivot rock ceased communication on Friday  XX/XX/XXXX. I woke up to leave for work and my truck was missing. Per most recent email communication they closed the file and transferred the account back to The XXXX XXXX on XX/XX/XXXX. I was told to direct all communication to The XXXX XXXX. Pivot Rock Solutions is the lender for the buy here pay here program with The XXXX  XXXX. They also have breached the contract with numbers not adding up correctly, and city taxes not being stated on the Department of Revenue Standard Sales Tax Receipt, but they are on the Buying order. I believe the calculations are incorrect. On Friday XX/XX/XXXX XXXX XXXX XXXX, illegally repossessed the XXXX XXXX XXXX. Creating disruption of the quiet enjoyment. Appointments were missed, and emotional distress was caused to the trustee XXXX XXXX XXXX. I spoke with the Finance manager XXXX XXXX at the XXXX XXXX, and she transferred me to General Manager XXXX XXXX. He laughed at my pain, he said the 1099c form was not filed, he told me i should pay my bills and kept laughing at me. I asked if we could solve this and he told me to get my lawyer. I have left several messages and emails to the XXXX XXXX, with no response from them. XXXX XXXX XXXX filed taxes and paid taxes on the income notated on the 1099c ( attached ). A UCC 1 financing statement is on file with the Colorado Secretary of State ( see attached ).
Consumer complaint received 2024-04-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To Whom it May Concern, I received a notification on my Transunion report # XXXX that the collection company has added to my report an account that was disputed and deleted from my report in the year XXXX. Transunion I am very shocked that you have allowed this to happen to me after you have assisted me with my ID theft case over the years. I have since contacted XXXX XXXX XXXX  and they have taken over XXXX  months and failed to send me documents that provides me with the banking information the alleged money was deposited into, and well as any documentations with my wet signature and ID that I needed to get approved for a loan. I am very disappointed that Transunion has even allowed this company to place this on my credit file destroying my creditworthiness after I have had this removed after my and your investigation being a victim of ID Theft. By law this company can " NOT '' place this on my credit report when in fact they did not contact me at all to ask if the debt was mine.and because the account happened as ID Theft. 

I am very disappointed that Transunion even allowed a debt that is past the statue of limitations be placed back onto my reports almost after XXXX  years to tell me it falls off in XXXX. So is this a case where my credit be destroyed for XXXX more months and it be ok? I show deletion date of XXXX but now this is about ethics and Transunion you have not been ethical and proper when it comes to this matter. This company should not have been allowed to purchase this debt and place it back and not have contacted me every prior. 

I never had the opportunity to dispute the debt directly with them nor have a meeting of the minds to determine the best course of action regarding this alleged debt with the company XXXX XXXX XXXX. The company did not follow proper laws to allow you to put the debt that was investigated and deleted back onto my reports. Instead of them providing my social and proper ID that I needed to prove it was me was not provided by them as well. 

Transunion I am asking that you please do the right things and remove this derogatory account from my credit file immediately. This company did not contact me to know that is was identity theft and when I spoke to an agent at Transunion it was reported deleted and removed due to my ID Theft. I am resubmitting my police report and Federal Trade Commission Affidavit and ask that you honor my issue and bring this matter to a resolve sooner than later. 

This company has no right to put something where I was a victim of ID theft back onto my report since it was ID Theft. By law they can't do this per FDCRA I have reattached the same file I sent to you in XXXX
Consumer complaint received 2024-06-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Self Financial Inc. (TX)

Self refused to process payment already sent to the lead bank the holder of the loan agreement and is stating that the payment is received 30 days late when it was sent and already received 30 days ahead of schedule violating. Contract agreement as a fiduciary and POA agreement by closing a account with out processing my security interest submit for billing error
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

I am writing to request several credit inquiries that were unauthorized be removed from my credit report., I received a copy of my credit report and became aware of nine inquiries that I did not authorize. They are as follows : XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX Bank ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report.
Consumer complaint received 2019-02-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OK)

Hello, I have submitted a few complaints on serves trying to fix my life after Identity theft, these operations I put my whole life in to would not stop people from accessing my accounts, I have a few questions that really concern me, I was selling on XXXX my kids where young I closed my Auction House in Colorado of 7 years, went online XXXX was new payment where mailed and Paypal came along, I said how cool is that email money so I signed up and opted in to the stock options don't the 10 % of my sales went to it all was great fast payments, then they started with Holding money taking money out of account making other bills bounce and you could not do a thing. Anyway a few years later they did something I'm still trying to figure out those options disappeared and there was purchase % that u got back just like all card do. What happend to my stock options?? Now for the main thing I'm working with FTC following my recovery process and PP called them 8 mo 6 mo 4 mo, and also when it went on in XXXX of 2016 my primary email XXXX was having hackers taking it over I lost control of it so I switched to a XXXX I also moved in with my GF I change it all on PP. Any way The hackers crashed my site on XXXX 15000+ 100 % top rated. I told them to help me and it was not me doing all that bad service, The crooks were changing my shipping address and my ship out times and passwords it was a nightmare PP put dual security I thought good did not help one bit. The text with the code would bounce out before I could read it, So their bright idea was to lock me out. They left everything selling, I would see it sell and customers would pay so I would shop it out, Then I was contacted by a long-time customer asked what's wrong? I said what do you mean. He said he received a letter XXXX they sent it to all my customers I'm taking thousands the letter stated that I was selling outside of XXXX as parameters which I was not it's not true!! then all the customers started returning the products they didn't come to my address they went elsewhere? XXXX? I moved my address was updated to XXXX customers called me and said they were starting a return and not sending the product back and they got to keep {$520.00}. XXXX XXXX nothing I could do I closed I disconnected Paypal and left my balance in the +, I'm supposed to be protected I know all about online safety after 25 years. So I heard. im 4000 or more in the red they were selling on my account after I closed, I made police reports and begged for help I just lost my only source of income and Every time I called in it was 4 hours and no help. I lost everything I had built. Now they help can't get a 1099-k 8 months ago and asked every time still sending it to XXXX I told them where I live, people calling in pretending to be me and getting my money and things Please help
Consumer complaint received 2019-02-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bay Area Receivables, Inc (CO)

Bay Area Receivables is a collection agency from the State of Maryland who is reporting two collection accounts on my credit report with XXXX and XXXX. I am a resident of the state of Colorado. I sent a request to both credit bureaus in XX/XX/2018 and to the company at the same time asking to validate this debt. To this date I have not received a response from the credit bureau or the collection agency. Subsequently, I discovered that Bay Area Receivables is not a licensed collection agency in the State of Colorado. The address for Bay Area Receivables is XXXX XXXX XXXX XXXX, XXXX MD XXXX, telephone number is XXXX. 
XXXX.
Consumer complaint received 2019-02-23
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. (GA)

I pulled my credit report and found several accounts opened in my name that did not belong to me. On XX/XX/XXXX I sent a letter to Experian requesting validation of debts on my credit report ( XXXX XXXX, XXXX XXXX, XXXX XXXX, EXXXX, XXXX XXXX  and XXXX XXXX XXXX ). Experian received my request XX/XX/XXXX, but did not respond within 30 days or after. 
I sent a second letter on XX/XX/XXXX asking for the removal of all debts disputed considering there was not a response within 30 days of the return receipt. Experian received this letter XX/XX/XXXX and did not respond within 30 days yet again. However, I did receive an updated credit report with only half of the disputed accounts removed ( XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. 

I sent a third letter on XX/XX/XXXX asking for the removal of the remaining accounts considering they failed to respond to my disputes on XX/XX/XXXX and XX/XX/XXXX. Experian received this letter XX/XX/XXXX and sent me a response XX/XX/XXXX stating, ..items disputed were verified as accurate. I also sent a dispute letter, XX/XX/XXXX to XX/XX/XXXX, to the remaining collection companies ( XXXX XXXX, XXXX XXXX and XXXX XXXX ). I did not receive a response from the collection companies nor did I receive any valid proof that the accounts were opened with my authorization. 

Experian received a fourth letter from me, XX/XX/XXXX requesting a signed copy of any original documentation ( a consumer contract with my signature ) as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). I also stated that they failed to provide me the method of verification as required under Section 611 ( a ) ( 7 ). According to Section 611 ( 5 ) ( A ) of the FCRA, Experian is required to ..promptly delete all information which can not be verified. They sent me a letter stating, " ..items were verified as accurate. '' I am entitled to have a copy of the signed contracts authorizing my consent under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of the FCRA. If there is no viable proof that I opened the unverified accounts, signed a contract, and could not get proof from either the Credit Agency ( Experian ) or the Debt Collectors then all of the disputed accounts should be deleted immediately from my file. Since XX/XX/XXXX I have not been given any proof of how their investigation was conducted or completed which is a violation of Section 611 ( a ) ( 7 ). My request for reasonable documentation, confirming my authorization to open the account  with my signature, is warranted and not unreasonable.
Consumer complaint received 2016-11-07
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

Website transaction to purchase a laptop computer. 
Website credit card transaction failed, so operator provided Paypal link which was made debiting a XXXX credit card. 
The website is bogus and no product was shipped. 
Paypal classifies this as NOT a transaction for a product or service and will not provide dispute resolution. 
This website still exists more than XXXX weeks later and these people are still taking victims ' money and Paypal is providing them the means to do it. 
I have screenshots of the transactions and made a copy of their website at www.crazifire.com for reference. 
Paypal is complicit with this theft by not warning victims that the transaction they are about to authorize is NOT for a product or service and is NOT eligible for dispute resolution. 
Type of fraud : bogus website selling products that are not shipped : XXXX XXXX transaction facilitated and protected by Paypal.
Consumer complaint received 2020-11-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CO)

In XXXX of last year, I received a letter from Credit Collection Services stating that I owed a debt to XXXX XXXX, which is a utility company in Illinois. I called up the collection agency and explained that I have lived in Colorado since 1994 and that this debt must be for an account that my deceased father had. The women with whom I spoke asked me to confirm the phone number which was XXXX, which is not my phone number, but my father 's, XXXX XXXX XXXX XXXX. I am XXXX XXXX XXXX XXXX. At that point, the lady said they would send the debt back to XXXX as it is for a person who is no longer living. 

However, today, I received another bill by the same company for the same debt. I want some assurance this debt will not hit my credit report, as it is not mine, but my father 's, who is no longer living. I want a record of CCS stating they will not report this debt on my credit, as it is associated with my father. Please note the address they are sending this debt to is a Colorado address, however XXXX XXXX is a XXXX XXXX XXXX. They need to do a better job of verifying who's account this is.