davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, MIDLANDXXXX failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
MIDLANDXXXX Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
MIDLANDXXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXX XXXX, agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Consumer complaint received 2020-10-07
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: CITIBANK, N.A. (MA)

HI MACY 'S / CREDIT BUREAU ; I'm not quite sure what's going on with your company but for some reason, there is something going on because i haven't received any responses for like 60-90 days since the pandemic. Every month i question the validity of this account. There is no way that this account was indeed verified - it's unverifiable and incomplete!!!! Again, Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

In the month of XXXX, 2018 I disputed via mail certain accounts and inquires that appeared to be errors reported on my credit report. I am a victim of identity theft and I am in desperate need of theses items being reviewed and blocked.
Consumer complaint received 2021-06-02
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: Convergent Resources, Inc. (NJ)

This account don't belong to me. Plese remove them from all 3 credit reporting agencies. Please see below the account that is reporting derogatory on all 3 credit reporting agencies 1. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

These incorrect reporting accounts are adversely affecting my credit report and costing me tons of unnecessary interest every year, This is not a regular dispute I have also filed a complaint with the better business bureau and federal trade commission because to my knowledge I do not recall any of these accounts. I need this problem addressed immediately and I should not have to wait another moment especially when it has already been 60 days just to receive a response because is clear you guys are just ignoring my request when you are suppose to assist me as a consumer. I demand these accounts be deleted immediately or I will have to file litigation for the stress you all have caused me. I read under Section 611 ( a ) it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly isnt that what the law states.
Consumer complaint received 2019-03-23
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. (IL)

Summer of 2018 I was denied a mortgage loan due to a company named XXXX XXXX stating that I owed them a debt. In full disclosure I have used there service in the past and have paid them in full with no issues. I was surprised to see them multiple times and reached out to the company in person and via mail for validation of this debt. None has been provided. All three credit bureaus state that XXXX XXXX, XXXX, XXXX XXXX etc. Has provided them proof of this debt and even they have not provided me proof.
Consumer complaint received 2021-09-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (TX)

On around XX/XX/2021 I called & requested by telephone for a debt validation & verification letter from CAPIO PARTNERS LLC for the amount of {$2200.00} and as allowed under the Fair Debt Collection Practices Act, I have requested them to allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX XXXX, but I am unaware of the amount due and have NOT received a bill that includes a breakdown of any fees including descriptions of said fees AND/OR interests occurred. 

I will send a SECOND and last request for a VALID debt validation with the following.

1. ) provide breakdown of fees including any collection costs and medical charges.

& 2. ) Cease any credit bureau reporting until the debt has been validated by me.
Consumer complaint received 2019-03-22
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: EQUIFAX, INC. (FL)

XXXX XXXX has listed one debt split into two as a new debt for {$260.00} each. A very old medical debt from 6 years ago. I was very ill at the time and had no insurance. A medical debt they are not willing to settle with me and listed on my report almost 6 years now.
Consumer complaint received 2019-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (TX)

I XXXX XXXX XXXX have been contacted by Hunter Warfield, a company that I know nothing about, claiming to owe them a debt. 
I contend that I have no contractual obligation with them, nor do I have an account with the company. They are alleging that I owe them an amount that I don't recognize nor acknowledge. 

I have sent them a cease and desist letter and asked for original documentation verification of this debt. I am attaching a copy of this letter in my complaint.
Consumer complaint received 2020-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On XX/XX/2020 my son tried to download a game from XXXX XXXX and it was unsuccessful. I called XXXX and during COVID 19 their not answering their phones after multiple calls. I then called my back to dispute the transaction, and I been noticing my bank doesn't take disputes seriously, so before thirty days are up, they reverse the credit of XXXX for this game. I called my bank and said, wait, I was vehemently disputing the charge. The gentleman said he reopened it on XX/XX/2020, then to make certain, I call back on XX/XX/2020 and speak with XXXX in escalations, she says " What is wrong with you? Why are you cussing '' There must be something wrong with you? '' So, I find out this morning after calling back again and being hung up on that now one reopened the dispute. They closed the dispute before its time. I uploaded documents they requested but never sent out or uploaded to my online account to get to them sooner. I called in prior and was hung up on again, so I called back and closed my insurance and their cheap credit card. Then I wrote the XXXX XXXX XXXX a complaint while I called back in to hear someone finally truthful telling me that my dispute was permanently closed.Moreover, I have credit cards with high limits, USAA gives me a XXXX limit, and my XXXX XXXX is Platinum with over XXXX dollar limit, my credit usage is below 15 percent. My auto loan I applied for with USAA they offered me XXXX dollars when all the others offered XXXX dollars. Just last month I had to dispute two XXXX dollar service items and I went above and beyond to get a letter from the XXXX office, COO, but I had plenty of funds in the bank when the bank called me and went on a rant to tell me what to do and write them letters, go back to the doctor, run around and then call her back? Seriously, I have only spoken to the same people at USAA in ten years maybe twice. I know bias, prejudice, the red headed step child, discrimination, and straight meanness when I hear it. I also know evasive, neglect, and USAA should point fingers at themselves for their own dirty deeds. My son works way too hard to not receive his game and this bank has not been above board at times so when I cuss its for good reasons.
Consumer complaint received 2019-03-23
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. (AR)

XXXX XXXX XXXX IS FALSELY REORTING 2 ACCOUNTS AS INCLUDED IN BANRUPTCY, WHERE IN FACT WAS REMOVED FROM DEBTORS LISTS ( CREDITORS FINAL NOTICE TO CREDITORS, BK CASE XXXX.
Consumer complaint received 2022-09-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (MA)

In the month of XXXX, my checking account was in the negative from an online XXXX account falsely charging approx. {$800.00} for a product I did not receive. This began setting my account in negative with multiple OD charges. I contacted XXXX and company to resolve matter, initially returning half the amount immediately and then once investigation completed the remainder of monies returned to my account. At the same time my place of employment, where I have biweekly XXXX XXXX  paycheck automatically deposited for past three years, was bought by a new company XXXX. My pay check was now delayed an additional week, and initial payment was a check. I deposited check as soon as possible due to my OD account knowing I have automatic monthly payments also due. The initial hold was three days, releasing {$100.00}. I needed to grocery shop and purchase gas as I knew this check would clear soon. This morning four days after initial deposit the check total amount ( approx ) {$1700.00} was taken back out of my account and placed on additional 6 business day hold. I now have no monies available for the rest of the month, and a total OD to present date for XXXX is over XXXX XXXX I called the bank today to discuss releasing check and removing some of the OD charges. The did not remove any charges and are looking into the bank hold. Meanwhile I am sinking with a mortgage and XXXX  XXXX payment pending. Please help me.
Consumer complaint received 2021-01-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc. (FL)

On XX/XX/XXXX, RS Clark and Associates reported a collection account for XXXX  XXXX in the amount of {$540.00} on my credit bureau file. On XX/XX/XXXX, I sent a letter to RS Clark and Associates disputing the debt and requesting validation. They did not respond. In XX/XX/XXXX, I sent a certified letter to RS Clark and Associates disputing the debt again and requesting specific information be provided to me ( see attached ). Again, they did not respond. Pursuant to the FDCPA, they were required to respond to my request within 30 days. To date, RS Clark and Associates has never contacted me or sent any information regarding the validation of this debt. RS Clark and Associates has violated multiple FDCPA laws. RS Clark and Associates has a history of complaints at the CFPB of violating consumers ' rights by not conducting business practices in compliance with federal and state laws regulating consumer collection agencies. I am requesting that this company be investigated and that the account be deleted from my credit bureau file immediately.
Consumer complaint received 2021-07-07
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: Continental Credit Control (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2023-04-08
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. (MI)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX, MI XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$510.00} ; XXXXXXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$3100.00} ; XXXX XXXXXXXX Balance : {$480.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$720.00} ; ( Original XXXX XXXX XXXXXXXX  ) XXXX Balance : {$1000.00} ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021.
Consumer complaint received 2022-04-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (FL)

First, I have confirmed several times that the debtor, XXXX XXXX does not show a debt owed for an outstanding bill of {$250.00}. Nor do they show an account currently in collections for me. However, XXXX XXXX has told me on at least XXXX occasions that they would open a case and escalate it, contact Credit Collection Services and have the account closed, then call me back to confirm within 1 to 3 weeks and I never hear back from them. 

Originally, I made payments toward the account in collections in the amount of {$250.00}, thinking I actually owed this bill ( I have receipts showing the payments made ). But after repeated threats and calls from Credit Collection Services, I contacted my health insurance plan, as I knew that lab work was covered lab work at 100 %, raising concern over the accuracy of said bill. My health insurance plan confirmed that the claim in question was paid in full at 100 % and the amount I owed was {$0.00}. The health insurance representative then sent me an explanation of benefits confirming this. 

I sent proof of payments made ( receipts ), the explanation of benefits provided by my health insurance plan showing the claim was paid at 100 % to Credit Collection Services via email. Then after no response, I uploaded through their website ( proof provided ) and after STILL NO response, I sent a debt verification demand letter via certified mail ( I can provide a copy of the letter and proof of date received ). Credit Collection Services has never responded to any of my correspondence. 

This collections account has been reported to my credit and is substantially impacting my credit score. While I DO NOT owe this debt, its worth noting that Credit Collection Services has never adjusted the balance in collections reported on my credit to reflect the payments that were made prior to finding that the claim was paid 100 % by my health insurance. I should be reimbursed for the payments made towards the incorrect balance due. 

Credit Collection Services refuses to remove this debt that I DO NOT OWE ( rather, refuses to acknowledge me, my proof, OR MY RIGHTS ), and every time I call, they just say they will look into it and call me back, and never do. Each time theyve failed to call me back, Ive called them to follow up, and Im yet again told I will be called back. Im getting nowhere!!!
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2019-03-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I have tried to Discuss with NAVIENT my financial situation to resolve my high payments ... they tell me they will only accept a specific payment ... I make between 1100-1300 month ... by the time I pay my living expenses and NAVIENT ... I am left with nothing. I only get paid 1 time a month so stretching my pay from payday to payday is hard. I offered them a {$200.00} dollar per month payment and they said it was not enough. They want to take out {$400.00} per month and by the time I pay my rent more than half my check is gone. My XXXX year old father is on my loans as a co-signer and lives on a fixed income, has major health problems and lives in a home with many problems ... if I can't pay he gets harassed by NAVIENT. I am NOT unwilling to pay but I can only make small payments at this time. Is there anything that can be done? 
XXXX XXXX
Consumer complaint received 2019-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

my partner took a loan from XXXX XXXX to purchase a new car without my authorization, now XXXX is reporting this loan and repossession to the 3 credit report agency on my credit report, i have tried to ask them if they have anything in terms of documents signed by me and this was requested by certified letters but despite my numerous requests nothing was ever received by me, moreover Instead to delete this derogatory information from the credit report they filed a judgment against me on XXXX XXXX for the amount of {$12000.00}
Consumer complaint received 2020-11-03
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc. (CA)

Please do not close this complaint. GM Financial is trying to get from me more than the vehicle buy out lease amount. The buyout lease amount was under $ XXXX. The dealership purchased the lease turn-in vehicle in the amount of {$10000.00}. GM financial is trying to get an additional amount over $ XXXX ( which they added to my credit report. While I understand that the mileage was over the amount allocated, GM Financial should not be allowed to receive more than the lease buyout amount. They were not amenable with dealing with me directly for purchasing the vehicle outright. I don't believe that a financial institution should be allowed to add undue financial duress on a client. GM Financial should request from me the amount of the difference between the lease buyout and the amount purchased from the dealership. Approximately a little over $ XXXX. I have not received any communication from GM Financial regarding rectifying this matter. Had I simply had this vehicle repossessed I would have been charged the difference between what the vehicle was sold for and what the lease termination amount would have been.