davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (MN)

I received a debt collection from noticed Credence resource management llC claiming that I owe a debt from XXXX XXXX. I never had account with XXXX XXXX I sent the company listed above a letter of debt Validation on XX/XX/XXXX asking for the following info the amount that they claimed that I owe detailed calculation of rhe balance they say that I owe copies of the signed agreements showing that this account is my obligations copies of judgements if applicable to the account proof of the time statutes of limitation pertaining to the debt PROOF OF COMPANIES LICENSING TO COLLECT debts in my state as well as licensing number and registered agent ANY CREDIT APPLICATION WITH MY SIGNED SIGNATURE ATTACHED VERIFICATION OF ORIGINAL CREDITOR THIS IS TO BE INCLUDED ONLY IN THE LETTER FROM THE COLLECTION AGENCIES
Consumer complaint received 2022-09-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (CA)

I deposited XXXX good checks from XXXX into my citi saving account. 
Citi scanner is not right, and returned XXXX checks as bad checks. 
I spent a lot of time and talked the XXXX who paid me, and XXXX, and confoirmed both are good checks. 
I chatted citi, and chat asked me to deposit at a local citi bank. I went there, the local office called XXXX XXXXXXXX with me and confirmed they are good checks. 
so we deposited again. 

XXXX : Citi cashed one check and returned another with {$2.00} and fined me fee. 
I chatted again, the agent agreed to return the fee and {$2.00} As today {$2.00} was losing, he did not credit as what he told me. 
I chatted again, citi rejected to tell me who I can complaint.
Consumer complaint received 2022-09-30
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: Global Lending Services LLC (GA)

I recently went over my credit report, and I noticed that there are payments that are being reported as late. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.
Consumer complaint received 2022-09-30
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. (CA)

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under ( 15 U.S.C. 1681 ) and these accounts are also being reported in error by the credit reporting agencies. Also listed are sections and references of which they violated.

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
The following accounts below for this complaint are as follows, U S DEPT of ED/XXXX Account Number : XXXX U S DEPT of EDXXXX Account Number : XXXX U S DEPT of ED/XXXX Account Number : XXXX U S DEPT of ED/XXXX  Account Number : XXXX U S DEPT of ED/XXXX Account Number : XXXX U S DEPT of EDXXXX  Account Number : XXXX U S DEPT of ED/XXXX Account Number : XXXX U S DEPT of ED/XXXX Account Number : XXXX XXXX XXXX XXXX Cash Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-09-30
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: Experian Information Solutions Inc. (AZ)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2018-02-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

The date in question is XX/XX/XXXX, and the XXXX XXXX, MI resident apart of the Scam that was allowed by XXXX is : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, MI XXXX. 

XXXX item # XXXX PayPal Email ID XXXX - XXXX   Details : On XX/XX/XXXX an XXXX  transaction for {$470.00} took place for a clothing garment. Upon receipt of the item, XXXX XXXX XXXX a complaint with XXXX/paypal stating his package was empty/never arrived, despite tracking information showing otherwise as well as my prior XXXX/paypal record 's having not 1 blemish for years of transactions. 

The buyer disputed his transaction with his card issuer, which immediately sided with him, prompting paypal to open an investigation and leech funds from my account to give back to the buyer. This is not normal consumer practice. At no time in my life have I ever bought an Item then scammed the store or the seller back for the money as well. This is NOT acceptable
Consumer complaint received 2023-10-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ATG Credit, LLC (NY)

i demand ATG to cease all communication through all mediums and thet failed and contacted me again, they state a contract gave them authorization to contact me for 3rd party collections but my contracts never states i give atg direct consent to contact me or atg has not gotten any consent from a judge to contact me, atg admits to harassing me on a number of occasions by stating i failed to speak with them, i will now be filing a lawsuit thanks
Consumer complaint received 2022-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (PA)

Around XX/XX/2022, XXXX XXXX XXXX contacted me via phone about an outstanding balance of {$1400.00} that was opened under my name, but it wasn't me. The address associated with such account was not in PA, where I've lived for the past 10 years, and I indicated such with them as well as the fact that my identity was stolen and people tried to open several accounts with my identity, thus I already froze my credit report and put an alert with the 3 credit bureaus. They said okay and hung up. 

No more calls from XXXX XXXX XXXX or their agency until XXXX when I started receiving calls from Sunrise Credit Services , Inc for the XXXX & XXXX account balance above. I explained to them again all the above information, the collection agency then mailed me a fraud claim package that I later filled out and submitted to XXXX XXXX XXXX together with my proof of residences. No communications from XXXX XXXX XXXX besides the acknowledgement of claim receipts. 

On XX/XX/2022, Sunrise Credit Services , Inc. called me again and said XXXX XXXX XXXX declined my dispute and indicated the charge was valid. I can't contact XXXX XXXX XXXX directly to get any information about the application or the charges that were opened under my name. I don't even know what the charges were related to.
Consumer complaint received 2018-02-07
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: Experian Information Solutions Inc. (NC)

Inquiries not mine.XXXX-XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XXXX XXXX XXXX-XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XXXX XXXX XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX,XX/XX/XXXX, XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX , XXXX XXXX-XX/XX/XXXX, XXXX XXXX XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX.
Consumer complaint received 2023-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.
Consumer complaint received 2023-10-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION (TN)

To whom this my concern, XXXX My name is XXXX XXXX my account is closed with Navy 's Federal credit union. You can get in contact with me I never received my refund from my bank account. You can give me a call at XXXX
Consumer complaint received 2022-10-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IN)

I received a second notice from Resurgent stating an account was sold to them XX/XX/2022 and the new owner is LVNV Funding LLC I previously sent a letter requesting validation of the alleged debt which : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract on all accounts and they did no such thing I am now receiving harassing mail and email I requested them to cease and desist ALL communication from me! and they have violated my request. First and foremost, it is illegal for a collection agency to buy up a debt and assume that the debt is yours without a consumers written consent. YOU have failed to validate the alleged debt which you are in violation of my rights per the FCRA for falsely reporting unvalidated information on my credit file. I am requesting a COPY of the alleged original consumer contract SIGNED by me unless you can provide the requested documentation you are violating my rights as a consumer. A statement is not a debt validation you are in validation of my consumer rights. Pursuant to the Fair Debt Collection Practices Act, STOP communicating with me regarding the above-referenced accounts.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am entitled to certain rights with regard to this account, and I am seeking your assistance in ensuring that these rights are upheld. 

Account Details : Name : XXXX XXXX Account Number : XXXX Collection Agency : XXXX XXXX XXXX Date of Initial Collection : XX/XX/2023 I believe that the FCRA allows me to request the following information regarding the aforementioned collection account : Verification of the Debt : Please provide me with detailed information verifying the existence and validity of this debt. 
Copy of Original Contract : I am requesting a copy of the original contract or agreement that supposedly gave rise to this debt.

Payment History : Please provide a comprehensive payment history for this account, including details of any payments made, charges, and interest.

Name and Address of the Original Creditor : Kindly furnish me with the name and mailing address of the original creditor associated with this debt. 

Proof of Ownership of the Debt : I am entitled to see proof that the collection agency indeed owns the debt and has the legal right to collect it, which should include a signed application with the consumer 's wet ink signature. 


I understand that, under the FCRA, I have the right to request this information, and the collection agency is obligated to provide it. Moreover, I am aware that the collection agency must cease collection activities until this validation process is complete. 

Please consider this letter as my formal request for the information mentioned above. I kindly request that you forward this request to the collection agency involved and provide me with a copy of the validation response within the statutory time frame specified by the FCRA, which is usually 30 days.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

Incorrect information on my transunion report and Experian report I need to add the XXXX on my credit reports with both companies XXXX and Experian and take the incorrect addresses on my XXXX credit report and extra names and phone numbers on my transunion credit report.
Consumer complaint received 2024-04-11
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

On XX/XX/2024 I ordered an item from my Macys app and using my macys credit card for payment. Item was a XXXX XXXX XXXX portable air conditioner, 3-1 air cooler with remote control for {$260.00}. Order # XXXX. About an hour later, I saw same item for sale at XXXX for {$230.00} ( see attached pics ). I called Macys on three ( 3 ) occasions on XX/XX/2024 and each time was told that macys does not do price matching. I explained on each occasion Im not asking for a price match but a price adjustment, which under macys on store policy is allowed and even providing instructions on sending information relating to the price adjustment documents needed, ie receipt of original sale from macys and documents of lower price found. Eventually, I spoke with a supervisor who consistently stating that macys does not do price matching. I have to explain several times to this supervisor, who is still unfamiliar with macys store policy of Price Adjustment policies and how to request such an adjustment, Not a price match! Unfortunately, supervisor would not assist me nor even look online of Macys store policy on price adjustment requests that I would provide or she can look up herself. I then informed the supervisor I would just fill a complaint with Macys, the XXXX and the department of consumer affairs. Supervisor did not care and just replied fine, ok. Im asking that, per the attached pics of macys online policies, that the XXXX intervene and have the original price of {$260.00} that was charged on my macys credit card through the macys app be credited, given the price adjustment of {$28.00} credited back on my macys credit card. This would be the difference of original payment of {$260.00} and the request of price adjustment per macys own policy to ask for. This is absolutely ridiculous to file a complaint like this for something like a price adjustment of {$28.00} which Macys own policy allows customers to request on their website. You follow this instructions for the request price adjustment and provide the appropriate receipt and lower price its referred to in order to receive the price adjustment not price match as the supervisor seems unwilling to accept or even view on macys own website policy.
Consumer complaint received 2022-10-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (GA)

{$170.00} : XX/XX/XXXX : XXXX XXXX XXXX XXXX To Whom It May Concern, I recently examined my credit report on XX/XX/XXXX and as allowable under the Fair Debt Collections Practices Act, I am requesting validation of 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 your bill does not include a detailed breakdown of any fees. 

Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any, and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me Please send this information attached to your reply and accept this letter, as my formal debt validation request, of which I am allowed under the FOCPA. 

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can alow me to seek damages from collection agent. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you through XXXX. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-09-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (IL)

I called a fraudulent XXXXXXXX XXXX XXXX  XXXX web site. they sent me to XXXX to purchase a American Express prepaid gift card which I paid {$420.00}. I gave them the card number over the phone and never heard from them again. A scam number.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (UT)

When I recently pulled my three credit reports, nearly all of my credit history is completely missing. There are only 4-5 somewhat recent accounts and everything else in all three reports is absent going back to approximately XXXX, when I turned XXXX. 

The addresses associated with where I have lived also have problems dating back to approximately XXXX. The addresses are mostly correct, however, there are duplicate addresses which are listed as single family residences when the address is an apartment complex. 

Also, the name they have listed is not my given birth name. They have my name as " XXXX XXXX XXXX '' when my actual birth name is " XXXX XXXX XXXX XXXX '' All three credit reports are attached
Consumer complaint received 2022-10-01
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: EQUIFAX, INC. (HI)

XXXX and Equifax need to delete XXXX and/or FKA ClickNClose mortgage ( account # XXXX ) from my credit report This account is incorrect and does NOT belong to me My mortgage is with XXXX XXXX  XXXX XXXX and therefore my credit report should be updated accordingly My loan number - account number with Rushmore Loan XXXX XXXX XXXX XXXX I have been with them since XXXX of 2020 I have requested this previously with XXXX and Equifax and they have YET to update my credit profile, this has resulted in denial of employment to me & has caused me financial stress I have been a victim of their breaches and their failure to remove the information can and will result in a lawsuit as per FCRA regulations Are they colluding since their business entity is a publicly traded company and this seems to be some sort of extortionate credit transaction??? 

This incorrect information has also caused a denial of extension of my own credit to me I disputed this account also with XXXX & they fairly and accurately looked into this matter and have deleted it from my credit report SEE ATTACHED for proof of deletion with XXXX