davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (TX)

On XXXX XXXX, XXXX XXXX sent an email rather than a letter through XXXX XXXXXXXX XXXX of an attempt to collect a debt not owed. I called the company and informed them that I do not owe this debt and have correspondence with their client that I disputed these false charges. The rep was not helpful and did not care. 

XXXX XXXX has never sent me any notice or communication via XXXX XXXX XXXX concerning this account after I disputed the charges via email in XXXX  XXXX XXXX has also no responded to any communications from me concerning this debt. I do not owe XXXX XXXX {$950.00}. My due process as a tenant in the state of XXXX were violated when no communication was received after I disputed the charges. 

Concerning Hunter Warfield, if I had not checked my spam email folder, I would not be aware of this debt. As of XXXX, I have yet to receive a notice in the mail. If Hunter Warfield does not cease collection, I will have to name them as secondary defendant in my small claims court case filed in XXXXXXXX XXXX against their client, XXXX XXXX.
Consumer complaint received 2022-12-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (KS)

I was contacted in XXXX by XXXX XXXX via phone regarding a past due medical debt to XXXX XXXX XXXX in XXXX, KS they claimed I owed from XX/XX/XXXX. The only information regarding this company I have is their phone number, XXXX, although XXXX lists their address as XXXX XXXX XXXX XXXX, XXXX, DE XXXX, XXXX ( see below ) could not provide that information so it is not verified, just their phone number. I was not seen by that facility in XXXX, although I did call them to verify this as I knew I could have been mistaken. I called XXXX XXXX back and explained this was not my debt. The agent refused to believe me and rudely told me something along the lines of 'Then how did they get your information '. For clarification I've been a patient at that hospital several times, the first being in XXXX. I have never received anything in the mail or in writing from XXXX XXXX, could not get them to give me their address, and had not heard anything since then from them. 

Today ( XX/XX/XXXX ) I received an alert there was a collection on my credit report from a company named Commonwealth Financial. I have not received any previous communication from this company. I called the number listed at XXXX ( XXXX ) and was told their creditor was XXXX XXXX. When I asked why they had not previously contacted me before placing a collections report on my credit reports I was told they tried to email 'The address they had on file ', which was an email address that is not mine. I explained this was not my debt and their customer had been told this was not my debt, and told them I wished to dispute the claim. 

Commonwealth Financials ' information is XXXX XXXX XXXX, XXXX XXXX, PA XXXX I would like to report both agencies, XXXX for XXXX hiring a second company to mask an attempt to collect a debt they were aware was fraudulent, and Commonwealth for filing a collection on my credit report without contacting me prior or providing any invoice or statement. Claims they don't have my contact information are obviously false as their customer has contacted me previously.
Consumer complaint received 2022-11-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commercial Acceptance Company (TX)

Commercial Acceptance continues to report a debt to the credit bureaus which is not my debt, greatly affecting my reputation and credit score. 

The date the collection opened was XX/XX/XXXX and the debt is in the amount of {$980.00}. The Original creditor is XXXX XXXX XXXX. 

This debt was proven not to be mine and removed by all 3 bureaus in XX/XX/XXXX. 

Commercial Acceptance continues to report it and the debt has now re-appeared on my XXXX report as of XX/XX/XXXX. 

I contacted the original creditor and was presented with information which proves this is not my debt. This all was forward to the bureaus as well as Commercial Acceptance with the demand that they cease reporting a debt which is not mine. 

The name with the Original creditor on said debt is not my name. 
The social security number on said debt with the original creditor is not my social security number. 
I did not receive an ambulance ride in XXXX NY in XXXX of XXXX. 

This is not my debt, yet Commercial Acceptance continues to report this debt to the bureaus.
Consumer complaint received 2023-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The Department of Education/XXXX is reporting account inaccuracies across consumer 's Transunion, XXXX, and XXXX consumer reports. XXXX report shows that the account is paid as agreed and never late but Transunion and XXXX is showing that the account has been late for 90 days. Also, XXXX0 U.S. Code 1232g ( B ) does not include credit reporting agencies access to a person 's educational record without consent. I never gave XXXX, XXXX, XXXX, and Transunion written consent to furnish information regarding my educational record, let alone inaccurate/adverse information. 15 U.S. Code 1681c states no adverse information reporting on my consumer report. I am demanding the account and transaction information to be removed immediately from my consumer report. 15 U.S. Code 1681a ( 2 ) states transactions of an account is excluded from the consumer report. DEPT OF ED / XXXX XXXX, XXXX COMMISSION FILE NUMBER XXXX XXXX # XXXX
Consumer complaint received 2023-03-23
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. (FL)

My XXXX XXXX XXXX acct # XXXX was closed on XX/XX/XXXX and reported monthly as closed by Consumer monthly but XXXX retaliated against me after XX/XX/XXXX by reporting my account as OPEN in violation of the Facially False Data safeguards set forth by XXXX XXXX Director of CFPB. In addition to many phone calls I wrote the attached secure message to XXXX on XXXX and XXXX responded on XXXX stating that my account was closed as of XX/XX/XXXX. Despite 20 plus phone calls, texts and other disputes, my Experian XXXX  account remains reported on the attached reports dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as OPEN before the Dispute investigation and OPEN after the non existent required investigation. Kindly disclose any documents and contacts regarding my efforts to get my account reported as closed. How could my closed account be reported as OPEN after reporting it as CLOSED for over 6 months? Experians own data documents monthly reporting my account as closed on XX/XX/XXXX so it has the data to resolve this matter without XXXX involvement. Delete my account permanently.
Consumer complaint received 2023-12-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CBA of GA, Inc. (GA)

The debt collector in question employed tactics that violated the Fair Debt Collection Practices Act ( FDCPA ), engaging in practices that were abusive, deceptive, and unfair, all of which the FDCPA explicitly prohibits. They reported an account for which there was no mutual agreement or signed contract. A legal contract typically involves the consent of both parties, and I was not a participant in any such agreement. Furthermore, the debt collector failed to adhere to the proper five-step validation procedure, exacerbating the unfair nature of their practices. As per the FDCPA, I am entitled to {$1000.00} for each violation, and it is evident that my rights were violated in this case. 
CREDIT BUREAU ASSOC ( Original Creditor : XXXX XXXX ) XXXX {$0.00}
Consumer complaint received 2023-09-21
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: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Experian, XXXX, and XXXX have reported incorrect and misleading information on my credit report. I am a victim of identity theft and these accounts do not belong to me from the following companies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


I had no involvement with the transaction according to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is XXXX XXXX. 15 USC 1692 ( a ) ( 1 ) the term " Bureau* means the bureau of consumer financial protection . XXXX, XXXX, XXXX, and experian are assumed to be credit bureaus and there is only one bureau and that is the consumer financial protection bureau. On XX/XX/1933, congress enacted hjr-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress... In the payment of debts. This resolution declared that any obligation requiring " Payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ) ( elthe term 'investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Payment is legal tender for public and private debts. 15 USC 1681 c2a
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion has claimed to have " verified '' the items I have previously disputed to be accurate and complete. 

However, when I pulled a new copy of my credit report, I noticed that the accounts and inquiries that I disputed are still there even though they are inaccurate and incomplete according to XXXX XXXX Credit Compliance standards. I have attached letters with XXXX forms of ID showing how exactly these accounts and inquiries i'm disputing does not meet XXXX XXXX standards. 

I can tell that a proper investigation has not been conducted by Transunion. As a result of this, it has caused me to experience credit and loan denials caused by the willful and negligent actions of this company. 

From my understanding, by not conducting a proper investigation, verifying inaccurate and incomplete information to be true, and causing me to suffer credit denials and financial harm due to willful negligence, this meets the requirements for a FCRA claim. I FULLY INTEND to either pursue litigation in civil court or file an arbitration claim with the American Arbitration Association if these errors are not corrected.
Consumer complaint received 2022-09-28
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: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-01-04
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct from erroneous reporting in my file are listed on my credit report : CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX, XXXX XXXX  XXXX
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-05-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

I opened a personal and joint Online Savings Account ( OSA ) at Marcus by Goldman Sachs. The joint account was funded by electronic transfer in the following amounts XXXX account XX/XX/XXXX - {$1.00} XX/XX/XXXX - {$99000.00} XX/XX/XXXX - {$120000.00} XX/XX/XXXX - {$25000.00} XX/XX/XXXX - ( {$150000.00} transferred to personal account ) XX/XX/XXXX - {$120000.00} ( deposit from co-tennant ) On XX/XX/XXXX, I attempted a transfer to an external linked account at a third bank and the transfer was flagged for a " fraud '' audit. I was able to quickly call in and confirm the transfer and my account was unlocked. However, my co-tennant was not able to unlock her account after many attempts. She has even mailed in a notarized " affidavit of identity '' ( AOI ) as per request of the bank fraud department on XX/XX/XXXX. But 18 days later, they still show no receipt of the AOI. 

Currently, the principal balance in the joint account is {$250000.00}, plus interest paid. I have had no access to these funds for over 30 days. 

I asked the bank to return the funds in the joint account to the FUNDING account ( s ) until the account lock issue has been resolved, but they responded that this was not an option for " fraud '' reasons. This seems ridiculous because the funds are being returned to the funding account, whose provenence is known. The customer service team refused to escalate the issue beyond a first level manager to resolve this problem. They also refuse to accept electronic or photo versions of the notarized AOI to expedite the account verification process. 

There seems to be a business process issue in the way the Fraud department at Marcus by Goldman Sachs manages custody of funds received. Their account verification process relies only on delivered mail and they refuse to acknowlege that this is unreliable or that their mail processing team could have made a mistake. Additionally, the customer service team refuses to allow me to speak directly to the account verification team by phone. 

I can not believe that it is legal for them to freeze my deposits under a pretense of fraud for an indefinite period of time. At the very least, I should be allowed to return funds to the funding account.
Consumer complaint received 2023-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OH)

This company is in violation of 15 USC 1692g fair debt collection act they haven't provided me validation of debt i have been a victim of identity theft and i refuse to pay a debt that doesn't belong to me. I asked for the original purchase agreement they did not provide me that let alone a signed contract bearing my signature and this company continues to report this inaccurate information on my credit report damaging my credit. I ask that this item is removed from my credit report because all the times i asked for the original purchase agreement anybody can say you owe them money but they havent once provided me proof that i owe this debt bearing my signature phone number social anything and they havent provided me that they have the right to collect this debt.
Consumer complaint received 2023-05-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (FL)

I broke a lease with XXXX XXXX at XXXX XXXX XXXX a few months before the end of my lease. I was never notified of additional balance due after I vacated the apartment even though I did provide forwarding information. I figured that they used deposit to cover it and were able to rent my apartment immediately. The first time I learned about a balance due was when it appeared on my credit report. Had I been given notice I would have been able to make payment arrangements. However, the balance due on this collection account that was illegally placed on my credit report with no notice is preventing me from being able to obtain housing.
Consumer complaint received 2024-10-02
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: DISCOVER BANK (IL)

I took a personal loan out on XXXX and fully repaid the loan on XXXX. Loan statements did not reflect any outstanding payments due so, I assumed account balance was XXXX as account reflected as closed. 

Discover personal loan refused to respond to a payment investigation by discover card with regards to a payment the inadvertently was posted to discover personal loan on XXXX. When I spoke with discover card on XX/XX/year> I found out about the inadvertent posting of payment to discover personal loan and lack of response. The rep transferred me and I spoke to XXXX who stated there was an outstanding balance under discover personal loan so, they satisfied the outstanding balance using the {$400.00} payment and sent me a refund. I advised the statements had reflected XXXX balance as loan was paid offf and account closed. I also asked why didnt they respond to discover card inquiry as they caused a negative credit bureau reporting on my discover card account. 
I am seeking a refund from discover personal loan as I was unaware of a balance and statements reflected XXXX XXXX.