davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Palm Beach Credit Adjustors, Inc (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX FOCUS FINANCIAL SERVIC XXXX FOCUS FINANCIAL SERVIC XXXXXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such  repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious FOCUS FINANCIAL SERVIC XXXX FOCUS FINANCIAL SERVIC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-10-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MD)

On XXXX XXXX I sent a letter of verification to Experian in hopes of seeing how the company verified three accounts that I disputed in XXXX of 2019. By FCRA law credit reporting agency 's have 15 days to respond to the request with a description of how they obtained the information to verify the report. Experian broke the law because instead of showing proof of how they verified the disputes and sending me the information I requested they opened up a new dispute. This is a direct violation of FCRA section 611. Also its a direct violation of my consumer rights and its inhibit my ability to move forward with certain aspects of my life.
Consumer complaint received 2022-10-10
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 — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P. (TX)

On XX/XX/2022 I disputed this account with the " creditor '' LVNVFUNDG. Below is a copy of the letter sent to them requesting validation, as it is my right. They never responded and they keep hurting my credit with negative erroneous information, causing me and my family great deal of stress, since we are in the process of buying a new home. 

I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

I request proof of contract, with signatures and the contract, of all parties involved. 
Provide a breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you. 
I expect to receive all the proof requested above within 15 days of this letter. 
Sincerely, XXXX XXXX XXXX. Please do not call me. Use mail only.
Consumer complaint received 2023-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The following accounts are not mine, and these are fraudulent transactions of identity theft. 

1. XXXX XXXX  services original creditor - XXXX XXXX- {$360.00} Date XX/XX/2023 XXXX. XXXX XXXX XXXX original creditor XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) Amount - {$6500.00} Date - XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - {$690.00} Date - XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXXt - {$1300.00} Date - XX/XX/2023 2023
Consumer complaint received 2021-01-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2019-10-24
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have been receiving repeated phone calls from Account Resolution Services. I received 12 calls on XX/XX/2019, 29 calls on XX/XX/2019, 12 calls on XX/XX/2019 and 9 calls on XX/XX/2019 and that is in the month of XX/XX/XXXX. I called XXXX at XXXX XXXX and asked to speak with a supervisor and was xfered to a voicemail. I called back at XXXX XXXX spoke to XXXX at ext XXXX who explained to me that they only called once and I asked about speaking with a supervisor then she begin to go through her script of debt collection. I understand there are laws regarding this. Please help
Consumer complaint received 2021-07-20
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. (NJ)

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2019-10-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Home Loan Center, Inc. (TN)

Lending tree llc messaged me and informed me my loan was approved to just esign thebpaperwork and they would expedite the process. They the. Called me and wanted me to buy insurance or send them.an ebay card for XXXX bucks. Then theybqoukd sendbthe money I called the bank that they said were my lenders and they informed me this was not the case they are scammers. They are fraudulently using XXXX XXXX   XXXX XXXX.
Consumer complaint received 2022-05-14
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: CLGF Holdco 1, LLC (FL)

I recently disputes this fraudulent account on my credit report and sent in my FTC Identity Theft Affidavit as well as a police report and this company failed to verify and remove this account from my credit reports. I want them to REMOVE these accounts immediately due to them not belonging to me. They can not show me a I.D . Or signature that belongs to me yet they are sending this back to the credit bureaus as verified.
Consumer complaint received 2022-12-20
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (MD)

On XX/XX/2022, I received a phone call from XXXX XXXX number. They threatened that if I did not pay my bill immediately that they would shut off my service. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and has just gotten in my car after a XXXX  hour day. 

I payed them the amount they said was due which was XXXX. After that multiple unauthorized transactions were completed via XXXX, {$110.00}, {$490.00}, {$490.00}, {$490.00}, {$990.00}.
Consumer complaint received 2021-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (NV)

Contract Callers Inc on XX/XX/2020 sent me a response after disputing the debt {$500.00} account number XXXX saying that they have contacted me and that I confirmed the name and address listed on the account number XXXX original account number XXXX for the amount {$500.00} which is not true. I never confirmed this and have disputed this many times letting them know this is not my account. They asked in the letter that I attached a copy of as proof to provide a detailed explanation of the basis for the dispute which I have done and they still did not fix this issue. I also asked them for verification and proof that I owe this debt and as of XXXX they have not provided any legal documentation and proof, they only sent me a bill. I told them that I never lived at or received mail at the address in question. My name was not on the lease for the reported address and I never lived at the apartment they are billing me for I live in XXXX XXXX and this bill is for the state of XXXX IL at the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX. A address that is not on my credit report or consumer file or have been filed in my tax documents. These items Is severely hurting my credit report and now going against the 609 Fair Credit Reporting Act. I need this collection removed immediately off my Credit Report. I have contacted all parties XXXX, including the company that says this is my bill and have had no help in resolving this issue. This item is incorrect and being reported in error. This is not my address and has never been reported as my address. In my last complaint there response Was a Very long and generic response saying send them documentation and account numbers so I attached the requested documents they need to properly Find this account and resolve this issue.
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Cascade CISS Holdings, LLC (FL)

In section 15 you sc 1681 section 602a State I have right to privacy 15 USC 1681 section 604a section 2 it also States a consumer report agency can not furnish an account without written instructions USC 1681 c A5 section States no consumer reporting agency may make any consumer reporting containing any of the following of information any other adverse items of information which in a dates the report by more than 7 years other than records of convictions of crime in accordance with The Fair credit reporting act the list of inquiries has XXXX my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 USC 1681s-2 A person shall not furnish any information relating to a customer or consumer or reporting agency if the person knows or has reasonable cost to believe that the information is incorrect
Consumer complaint received 2022-12-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (IL)

I signed up for my checking account with a promo code to receive {$400.00} after making {$5000.00} in direct deposits to the account. US bank has denied me the bonus saying I was not eligible. I have met all the terms and should be entitled to this bonus. 

Account number is XXXX.
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAINE & WEINER COMPANY, INC. (IL)

Its a lot inquiries on my credit report that shouldnt be on there also from a apartment complex that I didnt live in, these are not my bills
Consumer complaint received 2022-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are unauthorized inquires on my report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have called transunion about this issue and there has been no resolution. I have no knowledge of these inquiries. 

XXXX XX/XX/XXXX Is also on my XXXX report and nothing has been done about this also.
Consumer complaint received 2022-12-08
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: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX Has reported this account on my credit report for longer than they are allowed. This account has been paid in Full Since XX/XX/2015. I have reached out to this Creditor in regard to having this account removed due to the fact that this type of account prevents me from being able to get certain Jobs in my current field.
Consumer complaint received 2022-12-08
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. (OK)

I have requested Experian and XXXX to remove all consumer statements and personal statement. REMOVE ALL CONSUMER STATEMENTS AND PERSONAL STATEMENTS WITH EXPERIAN AND XXXX.
Consumer complaint received 2022-12-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Prince Parker & Associates (NC)

I am in receipt of a letter from Prince Parker & Associates , Inc stating that I owe a debt. I do not know for what this debt is, so I need you to validate the debt. What information do you have that proves the debt is legally mine and that I am obligated to pay it? Keeping in mind that a copy of a Consumer Contract is not sufficient evidence of a debt as per case XXXXXXXX XXXX XXXX XXXX  XXXX. I look forward to your reply.
Consumer complaint received 2024-11-26
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: RoundPoint Mortgage Servicing LLC (IN)

Roundpoint Mortgage Account # XXXX is showing various late payments that are inaccurate on and account that was paid and closed in XXXX. No such late payments ever occurred to my knowledge and this loan has been paid off and closed in what I believed was " good standing ''. I am requesting that Roundpoint Mortgage immediately remove the above referenced account from my report.
Consumer complaint received 2021-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (FL)

I applied to Citibank for an XXXX XXXX credit card. I was denied because " we couldn't verify come of the information on your application. '' I called and explained I had an XXXX XXXXredit score and excellent income. The supervisor said I had to call XXXX to see what was wrong with my credit. I called XXXX who information me Citibank had only inquired using my first and last name. Since my sister has almost the exact same first and last name, and her social security number is only one digit different than mine, they could not differentiate the account. They asked me to call Citibank and request the process their inquiry using my first, middle and last name. I called Citibank and they said there was nothing they would do. They had logged my complaint but would not recheck my account using my full name. This is very unfair. They made the mistake and I have no way to appeal. There should be a way to appeal and have them check my credit correctly. It is not my fault my sister has a similar name and social security number. Thank you!
Consumer complaint received 2019-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capstone Credit & Collection, LLC. (NC)

On XX/XX/2019, I contacted Capstone Credit Collections in regards to a debt that showed up on my credit report when I tried applying for an apartment. It showed that I owed a debt to two apartment complexes. I have never been evicted nor have I ever owed a balance to any apartment complex. The complex I applied to gave me the number to XXXX XXXX. I called XXXX XXXX and explained my situation. They gave me the name and number of the companies that was reporting two collections in question that was showing on my credit report. When I contacted Capstone on XXXX-19, I spoke with XXXX/XXXX whom I explained that I had applied for an apartment and this showed up on my credit report and I explained that this was not my debt, I never lived at said apartment complex and I would like for it to be corrected. She asked me how was I going to prove that I did not owe the debt. I advised that I could provide a copy of the lease of where I actually lived at that time. She rudely advised me that, that was not proof of anything. So I asked well what proof would you need. She advised me to email a copy of my driver 's license to XXXX so they could compare signatures. Which I did immediately. As I was asking her if there was anything else she needed, she became accusatory and told me if she didn't receive anything, they were going to hold me responsible for the debt. Since it was only one day before the weekend, I waited until Monday, XX/XX/XXXX to call and see how the investigation was going, I did not get an answer so I left a message. When my call was not returned the next day, I called again and left another message and sent an email inquiring about my dispute. I repeated this several times throughout the week and I have to receive any correspondence or have any of my calls returned about this debt that I do not owe. When I spoke to XXXX/XXXX I advised her that I am in a time crunch and have to move by XX/XX/XXXX.. I have been assigned to XXXX by my job and I must find somewhere to stay and I would need a letter from Capstone stating that this is not my debt. This company has refused to return my calls or emails after I provided them with the proof they told me they needed in order to furnish me with the letter that I need to be able to lease my new apartment. I understand that this business may receive these type of calls on a regular and people are trying to get over to get something off of their credit. I actually do not owe this debt and am willing to provide whatever proof this company needs so I can get what I need to move into my apartment in about a week. This company is highly unprofessional and if I need to file a lawsuit for violation of FDCPA, I will.