davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

I, XXXX XXXX XXXX, am submitting this on my behalf without any third parties. On XX/XX/2022, I received a debt collection letter, without my consent, from Helvey & Associates , Inc. claiming I owe a XXXX XXXX XXXX. I do not know them, I do not owe any alleged debt, nor wish to do business with either corporation. Im not aware of how this corporation got my private personal information but it is a violation of my right to privacy. I demand all communication cease or else Helvey & Associates , Inc. will be in violation of the F.D.C.P.A.
Consumer complaint received 2020-04-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Management Services, LP (GA)

The XXXX  XXXX XXXX account reported on my credit report is not mine. The account that was reported even has my name spelled wrong its spelled unque when its unique. I have disputed this almost every week for 6 months straight since XX/XX/XXXX every since I found out about the account. Ive called and they repeatedly told me there is nothing they can do. They keep calling my phone even when I say it isnt me they have called and emailed me every day. Account ending in :XXXX  Amount:XXXX. 


I am not responsible for this account please help me thank you!
Consumer complaint received 2020-04-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Transunion reinserted XXXX XXXX back onto to my credit report without any notification. 

In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material.

*Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

*If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.
Consumer complaint received 2020-02-06
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. (AZ)

XXXX XXXX XXXX center in North Carolina claims I owe them money and sold my debt. Ive never been to the state of North Carolina. I told them this and they didnt care. they reported me to Experian who ai thought was a real company not a fraudualnt organization. i submitted to them I have never been within XXXX miles of this state and they came back saying the company confirmed the info is correct when clearly its not. they want money to fix their scam and send emails how their boost can help me get loans when I pay my bills. the whole thing is a giant scam and experian should be shut down. how do they get away with these scams of reporting debt from states a person has never even stepped foot in.
Consumer complaint received 2021-06-03
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: STERLING JEWELERS, INC. (VA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-04-01
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Medical Society Business Services, Inc. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Consumer complaint received 2020-04-01
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. (NE)

I have requested documentation on the XXXX XXXX Account. XXXX XXXX has been unable to validate this account and has only provided me with a payment history. 

All three credit bureaus are reporting this account as " verified '', although all accounts have different information on several sections of the report. 

I been disputing this account for over a year, and finally XXXX sent me a letter that reported they were not able to provide me anything but a vague pay history, which validate or proves absolutely nothing.
Consumer complaint received 2019-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (MA)

Citibank provides different level of service to consumers who prefer not to communicate via telephone. 

On XX/XX/XXXX, I received a voice mail from Citibank. The message was transcribed by my assistant as follows : " Hi, this message is for XXXX XXXX. My name is XXXX calling from citicards executive office regarding some feedback that we received two complaints a my typical hours when she is manager XXXX, I'm typically email to report a sorry XXXX to XXXX Eastern Time Monday through Friday. I am going to be out of the office this afternoon, and we'll try to reach you at another time. If you have time and can call me back. My phone number is XXXX. '' The same day I logged into my Citicards account online, started a chat session into which I pasted the message above and informed Citigroup that XXXX of Citicards executive office should be informed about my communication preferences since I prefer not to communicate via the telephone and would like to receive communications from Citigroup in writing ( electronic messaging system would be fine ). 

The next day, Friday XX/XX/XXXX around XXXX XXXX I received another voicemail from Citigroup that was transcribed by my assistant as follows : " Hi, this message is for XXXX. My name is XXXX calling from citicards executive office regarding feedback that's received from the cfpb rezoning about a complaint filed with that. My phone number is XXXX. Call me at your convenience. '' It seems to me that Citigroup representative with whom I chatted online on XX/XX/XXXX for more than 1 ( one ) hour, failed to inform Citigroup 's executive offices about my communication preferences.
Consumer complaint received 2019-11-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (WA)

I re-enrolled into university to earn a XXXX XXXX degree and started my XXXX  XX/XX/2019. I waited to make a payment for XXXX because my school was working on reporting my enrollment and thus my deferment paper work had not been sent. After my enrollment was confirmed and my deferment eligibility was confirmed I received notification via email that my bill was past due. I contacted them on the phone and let them know that yes my deferment paperwork was received and would post on XX/XX/XXXX that was the end of the conversation. 

On XX/XX/XXXX I got an email saying that my deferment was denied. No other details so I called them to inquire. I called up and automatically they were telling me my account was past due and was I calling to make a payment. I said no I had questions about my deferment. They then transfer me. After being on hold I get a second person that answers and says that my account is past due and would I like to make a payment. Again I had to say no, I'm calling about why my deferment was denied. They explain that all my loans already are past the allowed amount of time for deferment. No one any point in time informed me by mail, email, or telephone call to tell me my loans no longer qualified for deferment due to enrollment. I ended the conversation. 

I had to wait for my husband to get paid to make the payment. In the 10 days since having that conversation with this company I have received on average 10 calls a day attempting to collect on the bill. Every single hour, for 10 hours, they call me. In the past I called and asked them to stop calling me and they said their was nothing they can do to push back the calls. This is harassment. Calling me every 45 minutes is uncalled for.
Consumer complaint received 2021-08-18
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: EQUIFAX, INC. (NY)

My name is XXXX XXXX XXXX XXXX. My social security number is XXXX and my date of birth is XX/XX/ my address is XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX my complaint is that equifax refused to removed judgment from XXXX XXXX  it shows on my credit file also I filed complaint with federal trade commissions please have equifax removed this negative item
Consumer complaint received 2021-06-03
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. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and an unknown item XXXX XXXX XXXX XXXX XXXX on my credit report. It has been over 45 days since I sent out that letter and I still have not received a response yet. I feel like I'm being taken advantage of and my dispute is being deliberately ignored. Section 611 ( a ) clearly states that faiure to investigate a disputed item within 30 days is a valid reason to have the item immediately removed from my credit report. It has been over 45 days so the item should be deleted promptly. I demand that the XXXX XXXX XXXX  account be deleted immediately or I will file for litigation due to the stress that you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2019-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX XXXX XXXX XXXX XXXX is refusing to report my account accurately to the credit bureaus. I have called nearly 20 times, email and faxed this servicer and they continue to lie and give me the run around. I sold my property and paid the loan off in full. My payoff was {$600000.00} and I sold the property for {$630000.00}. I also received an escrow refund credit for {$1500.00} due to paying off earlier than payoff deadline. XXXX is refusing to report as a paid in full account. They are reporting the account was a settlement, clearly a lie, false, not true, fraudulent and damaging. This was not a short sale or less than full balance account, XXXX received every dime owed. When I call they even state the loan is paid in full and don't know why its being reported incorrectly. XXXX was paid off on XX/XX/2019 and they still have not reported the loan status correctly. They report it " legally paid in full for less than the full balance '' this statement is incorrect and fraudulent. Its also causing me harm and injury. I want this mortgage account status to report Paid In  Full XXXX balance!
Consumer complaint received 2020-04-01
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: ONEMAIN FINANCE CORPORATION (NE)

I have requested documentation on the OneMain Financial Account. OneMain Financial has been unable to validate this account and has only provided me with a payment history. 

All three credit bureaus are reporting this account as " verified '', although all accounts have different information on several sections of the report. 

I been disputing this account for over a year, and finally OneMain sent me a letter that reported they were not able to provide me anything but a vague pay history, which validate or proves absolutely nothing.
Consumer complaint received 2022-08-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: EIC Enterprises (HI)

For the past month, I have been receiving hang up phone calls from this company harrassing me about my payment for my loan. Due to unforeseen circumstances, I have been unable to keep with my payments and have enlisted the assistance of a company called XXXX XXXX XXXX to help me with my account with next loan. I notified next loan and told them that I was working with XXXX XXXX XXXX and was told that my account would be notated and that they would contact XXXX XXXX and not me. I was told by my representative at XXXX XXXX, that if any of my creditors that were on my program with them contact me, to let them know that I was working with them and that any and all correspondence was to go through them. 

This evening I got an email from Next Loan stating that due to my refusal to set up payment arrangements and due to their numerous attempts at trying to contact me ( they have not tried to contact me by phone as the only calls that I receive are from " private numbers '' that I screen and do not answer. They are now " referring collection of my loan to a third party voluntary wage assignment collections agency '' I do NOT give permission for any of my wages to be garnished as I am a caregiver to a XXXX parent and the only breadwinner. I will be contacting XXXX XXXX XXXX to let them know of this, but I want this harassment to cease and decease. I have done my due diligence in letting all of my creditors know that I am working with an outside debt counseling center. This email is very threatening and I do not appreciate the fact that I let nextloan know of my working with XXXX XXXX and they continue to harassing and try to intimidate me. Below is the email that I received : Hello XXXX XXXX, Please be advised that our attempts to contact you by phone, e-mail, and/or other means to make required payment arrangements in satisfaction of your outstanding loan balance have been unsuccessful. As you may recall, you authorized us to perform voluntary wage assignment. This email will serve as formal notice that we are referring collection of your loan to our third-party voluntary wage assignment collections agency. 
If you wish to avoid this form of collection, you may contact us immediately by calling Next Loan at XXXX. Our account representatives are available Mon-Fri XXXX XXXX XXXX ( EST ). 
Finance Dept. 
Next Loan AGAIN, I DID NOT AUTHORIZE THEM TO PERFORM ANY SORT OF VOLUNTARY WAGE ASSIGNMENT!!
Consumer complaint received 2019-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (LA)

Here we go AGAIN with Sunchroncy, XXXX, and XXXX XXXX!! 

While one company corrects the false information reported, they put other old information they had once removed back on there or their XXXX XXXX counterpart puts it back on their site and instead of my score going up like it should it continues to go down which makes NO SENSE!! Their explanation to me is Pay your bills on time blah blah blah except this is from accounts that are either not mine or from accounts that have been closed for 8 years and were paid 100 % on time.
Consumer complaint received 2024-11-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (MA)

DEAR XXXX ; CFPB ; SEE ATTACHMENTS. I am disputing the alleged debt reported by your company. This account is fraudulent, as I have no prior relationship or contract with either the original creditor or your company. 
The reporting of this account violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To verify the legitimacy of this claim and your authority to collect, please provide : 1. Proof of Authorization under 15 U.S.C. 1692e and 1692f.

2. Legal Basis for attempting to collect this debt, including applicable statutes.

3. Proof of Authorization to Operate in my state.

4. Evidence of Alleged Debt, including any contract or agreement bearing my signature.

5. Full Account History, detailing all charges, fees, and payments.

Your lack of documentation would constitute a violation of FDCPA 1692d, 1692e, 1692g ( b ), and 1692f. Therefore, I demand the immediate removal of this account from my credit records. 
Per the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as I have not acknowledged any debt, I presume none exists. Failure to provide evidence within 30 days will confirm this accounts invalidity. I expect a written response confirming its removal from my credit report. 
Sincerely,
Consumer complaint received 2019-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (PA)

My Citi Secured Card Never reported to My Credit Report when its suppose to Help Build Credit Under the Fair Credit Reporting Act If A Company has A Agreement which states they will report to the bureaus They Must do so And This could fall under False Advertisement.