davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

Recently while conducting a monitor of my credit report I discovered that XXXX  XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware there is a debt from XXXX  XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX  XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPAA authorization. 
1. Please provide a breakdown of fees including any collection costs and medical charges 2. Provide a copy of my signature with the provider of service to release my medical information to you.

3. Cease any credit bureau reporting until the debt has been validated by me.

4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request for debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Investigation into two items on my credit report was requested on XX/XX/21. As I was told it takes up to 60 days to recieve a follow-up on the status of my investigation. I never received any notification. None by email nor mail. I sent a follow-up letter on XX/XX/21 and still have yet to receive a response. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Name entered wrong : XXXX XXXX- remove Never stayed at address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2022-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

When first opening my account with Citi Bank I opted-out of overdraught protection, Citi Bank saw a demand for payment enter and paid a company i was doing business with, that asked for {$2500.00}, actually i didn't have nearly that much inside my account for that amount and i would have disagreed with that amount that XXXX company was asking, I would have needed to review it with XXXX XXXX. My bank, Citi Bank without asking or without contacting me, claims that they paid the full amount to XXXX Co. I have not seen any documents that Citi really paid XXXX that amount After many attempts I spoke to a representative in recovery dept of XXXX XXXX Car, the Rep told me yes, they had been paid by my bank, I ask the rep to send me a confirmation to my email, what he sent did not confirm it. Now, my checking account sits in a negative for over XXXX and I can't use it to pay my bill and conduct my business.I would have set up a payment plan with XXXX, but was inform the charges was cleared by Citi Bank.i did not write XXXX a check for the last amount, XXXX just used my credit card number to add to original charges, that i should have reviewed before my pay it. Citi Bank committed a negligence and breached the level of care and concern for me as a client.Citi bank 's omission of of a duty to me, to see a suspicious transaction and first report it to me before paying it.since my checking account has never had a single deposit of over XXXX dollars.Before Abitration I want my account cleared because of the delays in me knowing the truth of Citi bank not really having paid XXXX nothing, and it is an obvious conspiracy to omit the use of my checking account. Citi Bank committed a Fraud act against me account and relationship with Bank. XX/XX/2022 beginning date of fraudent negligence. 

Now, Citi Bank
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: HYUNDAI CAPITAL AMERICA (MD)

I am writing to express my serious concern and dissatisfaction regarding the mishandling of my personal information, leading to a negative impact on my credit score. I have recently obtained my credit report from your bureau, and upon careful review, I have identified several inaccuracies and instances of unauthorized use of my information. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681, I am entitled to accurate and fair reporting of my credit information. It has come to my attention that the following issues have occurred : Unauthorized Inquiry : I have identified an unauthorized inquiry on my credit report, which appears to have been made without my knowledge or consent. This unauthorized inquiry has contributed to the decline in my credit score. Incorrect Account Information : There are inaccuracies in the account information reported, including : 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 These inaccuracies have unfairly impacted my creditworthiness. 

Identity Theft Concerns : The discrepancies in my credit report raise serious concerns about potential identity theft or fraud. I request a thorough investigation into these discrepancies to ensure that my personal information is not being misused by any unauthorized parties. 

I am attaching copies of relevant documents that support my claims, including proof of the unauthorized inquiry and any evidence that substantiates the inaccuracies in my credit report. I kindly request that you promptly initiate an investigation into these matters, in accordance with the FCRA. 

Under 15 U.S.C 1681i ( a ) ( 1 ), I request that you investigate the disputed information within 30 days of receiving this letter and, if necessary, correct or delete any inaccurate or incomplete information. Additionally, I request that you provide me with a written report of the results of the investigation. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Failing to rectify these issues promptly may compel me to take further legal action to protect my rights under the FCRA. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2021-08-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Credit Services Inc. (TX)

One year ago I received a notice of collection from First Credit Services in XXXX NJ, for a debt of {$110.00} to XXXX XXXX XXXX 

I have received 3 letters, each one after I responded requesting proof, because I do not or did not have a membership with this gym. I was sent a contract with a different signature, and it is a corporate account for a company I do not recognize.

I have repeatedly stated to them this is not my contractor and they willfully continue to misrepresent the facts.

Its also reached the point of harassment.
Consumer complaint received 2021-06-09
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. (MS)

The monthly payment for this account of {$580.00} was paid on XX/XX/2021. The due date is the XXXX of each month. This payment was made at approximately XXXX. 

Once the payment was processed, XXXX listed the date as XX/XX/2021 on the confirmation receipt. They used this deceptive tactic and incorrect date in order to place a " 30 days '' late on my ( the co-signer 's ) credit report files with XXXX, TransUnion, and XXXX. 

This incorrect information caused my credit scores to drop drastically ( WITH ALL 3 BUREAUS ) and has had NEGAVTIVE impacts my credit scores.
Consumer complaint received 2021-08-06
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CURO Intermediate Holdings (KS)

XXXX XXXX states they will file with XXXX XXXX county if I do not pay {$260.00} for a unpaid Payday loan. They claim it's from XXXX and they will take me to court. After I spoke to the guy I still got a call and so did a family member stating if I do not call I will be located at there house. They can not provided any proof of this loan from XXXX and they can not send me anything in writing. Not on my credit report. The voicemail they leave also say this is legal notification by telephone. I asked which court house in XXXX XXXX and any documents but they said they don't have that information that it will be provided to me at court. The payday loan company does not show a loan for me in XXXX. But one over 7years ago. I did tell XXXX XXXX this but said I can talk to the judge or settle this with them.
Consumer complaint received 2021-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

NATIONAL CREDIT SYSTEMS is in violation of 46 of the FDCPA Laws as you can see in Exhibit A, B, and C. Also they are in violation due to a phone call I received, a phone call without my prior consent is a violation of 15 USC 1692c ( a ), the tone of the agent is a violation of 15 USC 1692d ( 1 ), the agent also said it was an attempt to collect a debt which is a violation of 15 USC1692b ( 2 ). and it was a very inconvenient time which is a violation of 15 USC 1692c ( a ) ( 1 ) as you can clearly see there is nothing but harassment from NATIONAL CREDIT SYSTEMS On XX/XX/2021 I sent NATIONAL CREDIT SYSTEMS a debt validation letter, it was received and sign for on XX/XX/2021. Federal law states they have 30 days to respond. Today is XX/XX/2021 and we are now past the 30 days and I have not received anything from NATIONAL CREDIT SYSTEMS. As you are aware, " Estoppel by Silence '' legally means that they had a duty to speak but failed to do so therefore, that must mean NATIONAL CREDIT SYSTEMS agrees with me that this debt is false. 
NATIONAL CREDIT SYSTEMS failed to validate a debt at my request, which is a FDCPA violation and continued to report a disputed debt to the Credit Bureaus : another FCRA violation. By doing so and by reporting this debt to the credit bureaus it is causing damage to my character and that is Harassment under 15 USC 1692d ( 1 ) Pursuant to 15 USC 1692k - Civil liability, 15 USC 1692k ( a ) ( 1 ) and 15 USC 1692k ( 2 ) ( a ).

I want remedy by paying the invoice included of {$46000.00} and immediate Deletion from all consumer reports for my Federally protected consumer rights. please investigate this matter and help me from further harassment. 

Thank you, XXXX XXXX
Consumer complaint received 2021-08-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kingston Data & Credit International Inc. (WI)

I was contacted by Kingston Data and Credit. When they called they did not disclose they were recording me, they didnt state the mini Miranda and they didnt even provide my balance. All of which are not in compliance with the FDCPA. Also they said they would send a copy of the original contract to me and then called me back and left a voicemail stating that they dont have a copy of that and I would need to contact the creditor directly. This was for an anytime fitness membership that I cancelled in the middle of the pandemic when the gyms were closed. Anytime assured me they cancelled my membership then turned around and put my account in a freeze instead which was deceptive.
Consumer complaint received 2021-06-09
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: Resurgent Capital Services L.P. (MS)

Do I owe this debt to you or to the original creditor? 

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Consumer complaint received 2021-08-10
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: AMERICAN EXPRESS COMPANY (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft AMEX Account Number : XXXX This is not mine.
Consumer complaint received 2018-11-10
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: Franklin Collection Service, Inc. (CA)

XXXX has been non-compliant with removing the unverified account FRANKLIN COLLECTION SVCS INC which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that FRANKLIN COLLECTION SVCS INC was not established by myself but XXXX keeps verifying  this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2021-06-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

1. The debt collector stated below that they have not received nothing from me and then on another end the debt collector stated they sent me validation documents from a request I made. Which is it? 

2. According to the data furnisher laws yes if a debt is due then the company has a right to collect on the debt however the company does not have the right to report after the statue of limitations. 

3. On one part the debt collector stated the debt was {$300.00} around 5 years ago however they wanted over {$500.00} to settle the beyond statue of limitation debt. 

4. Remember the words " subsequently, investigated ''. 








Portfolio Recovery Associates, LLC ( PRA ) investigated your complaint and verified the PRA account ending in XXXX and the accuracy of the information we furnished to the consumer reporting agencies regarding the account. PRA purchased the XXXX XXXX Bank XXXX XXXX XXXX, XXXX. XXXX " XXXX XXXX '' XXXX XXXX credit card account ending in XXXX from XXXX XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX, XXXX Business records provided to PRA by XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX XXXX XXXX social security number ends in XXXX and that a balance of {$300.00} was due on the account at the time of PRA 's purchase. We sent our initial notification letter to you on or about XX/XX/XXXX. We take compliance with all applicable state and federal laws very seriously. The expiration of a state statute of limitations on legal actions limits our ability to pursue legal remedies, but not our ability to collect on the account. We found we previously ceased all calls and other collection communications regarding the PRA account ending in XXXX. We have no record of a request or dispute being received in relation to our initial notification letter. PRA furnished information regarding the account to the consumer reporting agencies in accordance with industry guidelines and specific requirements. Our records reflect that we subsequently received, investigated, and responded to a dispute regarding the account which is similar to the dispute you made in this complaint. In response to that dispute, we verified the accuracy of the information we furnished to the consumer reporting agencies regarding the account and sent you a letter on or about XX/XX/XXXX, containing validating documentation from the original account. We believe that the validation provided resolves the dispute and no further steps in response to your complaint or follow-up actions are required at this time.
Consumer complaint received 2021-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc. (MI)

I signed up for a 3 month marketing contract with a company called XXXX ( XXXX ). XXXX XXXX was the sales representative I spoke with. He verbally promised me the contract would end after 3 months without me having to do anything. I paid for 3 month because that was the agreement. Roughly a year later I was contacted by a collection agency on behalf of Vivial going by the name of McCarthy, Burgess, & Wolff. They claimed I owed Vivial hundreds of dollars. I reached out to both companies and told them that I had signed up for a 3 month contract with XXXX XXXX of XXXX. I mentioned that the contract I entered into was to terminate automatically at the end of the 3 month, that I paid for all 3 months, and that I should therefore have no balance with them. Both companies refused to listen and McCarthy, Burgess, & Wolff continued to bother me with emails, phone calls, and written letters. I eventually talked them down on the amount and just paid it because I couldn't take it anymore. I have a life and I can't take this abuse. I'm concerned the company may be using this as a fraudulent means to earn money. XXXX claims all of their calls are recorded, but I asked them twice for the recordings knowing they would shed light on what happened, and they were unable to produce the recordings.
Consumer complaint received 2022-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted a dispute on XX/XX/24 to get an account that is incomplete with multiple inaccuracies removed from my credit report. 

I received an update email from the bureaus but after a review of my report I noticed that the account is still inaccurate and incomplete. 

I followed up on XX/XX/24 and have only received a response that they are still working on it. 

This is a violation of the FCRA and a direct violation of 15 USC 1681 ( 5 ) ( A ) ( i )
Consumer complaint received 2021-12-21
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

I reached out to CFPB XX/XX/2021 out of desperation for help with this serious matter, I gave my feedback in hopes I would receive some type of compensation in a refund, XXXX logo states ( We Are on your Side ) but the response I received didnt say that It only said my complaint will be put in the database.But that doesnt make this wrong right nor make me whole.what is the process of getting a one refund as I have noticed in some others complaint when they have a victim of scams I had been seeking to find a emotional dog for companionship, I looked into adoption.After searching I came upon what I thought was a legitimate organization on XXXX  called XXXX reached out the them and received a response on XX/XX/2021 I told them the puppy I saw on their page and asked if it was available I was told yes, so the guy told me how they transport their puppies and the fees he stated that shots were updated and everything is taken care of he said the fee is {$380.00}. I said ok thinking that was a good fee for the puppy a Frenchbulldog.The guy said they were located in California. So at around XXXX that same day I logined into my XXXX XXXX  app and sent the {$380.00} through Zelle which I thought was a safe way to send the first funds. Only to find out I was scammed.Not to mention my bank which is linked to Zelle refused to help they stated they could not help me because I sent the funds on my own, And so I called Zelle and gave them the names of the person the owns the account with them I was told they could only report them but could not refund my money back.I have reached out to Both banking institutions only to be told we cant you.I have done all I know to do the law enforcement can only do so much as scammers use fictitious names so its hard to track them done..I really need your help Im on a fixed income, I thank you for taking the time from your busy schedule and look forward to hearing from your Team.warm Regards