davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-13
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (NM)

I am writing to formally address the recent communications I have received from Credence regarding an alleged debt associated with XXXX XXXXTo clarify, I have never had a phone or phone service with XXXX XXXX. My only association with XXXX was for home Internet services. I noticed that XXXX was making unauthorized charges to my account, taking out more than what I had expected. After investigation, I discovered that I was being charged for a phone and service that I never received or used. I have never seen a bill about this phone. 

Three or four times within the last year I went to the XXXX store to resolve the error, where, after hours of investigation, they offered me an apology and provide me with a refund. This led me to believe that the matter was settled. Ive also received a {$98.00} credit from XXXX. How can you send me to collections and give money at the same time? This makes no sense. 

Subsequently, I switched my XXXX service from XXXX XXXX XXXX to XXXX , which was entirely independent of XXXX XXXX. Additionally, I began using T-Mobile home Internet, which rendered my use of XXXX XXXX unnecessary. I paid my final bill with XXXX and with that, my account was closed. any correspondence I may have received from XXXX  XXXX  would have been over email, and I dont check email from companies with whom I no longer have a relationship. 

When I began receiving phone calls from a company called Credence, I did not answer. They did not leave a message. Several months later I get a letter out of the blue, telling me that youve sent me to collections, and I owe XXXX over {$300.00} for a phone that I know nothing about. 

I called XXXX to ask for the bill. They claimed they had never sent a bill in the mail, but had sent one through email. When I went to check the email to see this alleged bill, I was informed that I could not access any billing information because I was not listed as a customer. 

This situation has caused me significant distress, particularly as I am in the process of starting a business, and my credit rating has been negatively impacted by this issue. It is deeply concerning to me that a bill could be forwarded to collections without proper notification or accessibility to the account information, making it impossible for me to address the issue adequately. I also dont understand the logic behind reporting me to collections, while sending me a refund of {$98.00}. 

I kindly request that you review this matter and remove any negative reporting related to this alleged debt from my ( otherwise stellar ) credit report. 

When last I spoke with someone from Credence, they told me they would be in touch as soon as the situation had been researched, but I still havent heard anything and my credit report is still lower. 

I hope to resolve this as soon as possible, as it has affected my ability to conduct business.
Consumer complaint received 2024-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

The collection in my account is a product of fraudulent activity. Please remove it as soon as possible. 

" XXXX XXXX XXXX XXXX account # XXXX date opened XX/XX/2024 XXXX
Consumer complaint received 2024-10-13
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. (IL)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW IT.
Consumer complaint received 2024-09-24
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

XXXX  KNOWN AS TOYOTA FINANCIAL SERVICES OR LEXUS FINANCIAL SERVICES REPO 'D MY CAR APPROXIMATELY ON XX/XX/XXXX2023 AND SOLD THE VEHICLE ON XX/XX/XXXX24 TO XXXX. PRIOR TO THE SALE OF MY 2024 LEXUS XXXX ( VIN XXXX ), XXXX NEVER SENT ME A " NOTICE OF SALE '' REQUIRED BY FLORIDA LAW FS 537.012 ( 3 ). I HAD NO IDEA WHERE THE CAR WAS BEING SOLD ; WHETHER IT WERE A PRIVATE OR PUBLIC AUCTION. ON XX/XX/XXXX2024 I RECEIVED A LETTER IN THE MAIL STATING THAT THE CAR HAD ALREADY BEEN SOLD AND THE LETTER GAVE ME A BREIF BREAKDOWN OF WHAT I WOULD OWE AFTER THE PROCEEDS AND EVERYTHING WERE DEDUCTED WHICH CAME OUT TO {$20000.00}. AS RESULT XXXX  DIDN'T ABIDE BY FS 537.012 ( 3 ) THEY CAN NOT CHARGE ME A DEFICIENCY BALANCE. ON XX/XX/XXXX2024 I MAILED OUT A CERTIFIED LETTER TO XXXX EXPLAINING THAT THE BALANCE THAT THEY ARE SAYING THAT I OWE IS INVALID. I NEVER GOT A RESPONSE BACK FROM XXXX  VIA MAIL. SINCE THEN THE BALANCE OF WHAT XXXX SAYS I OWE HAS CHANGED TO {$13000.00} WITHOUT ANY PRIOR NOTICES BEING MAILED OUT TO ME. XXXX DID NOT ABIDE BY FLORIDA LAW WHEN IT COMES TO REPOSSESSING A VEHICLE/NOTICES/OR BALANCES AFTER THE FACT. I AM REQUESTING THAT LEXUS FINANCIAL SERVICES/TOYOTA FINANCIAL SERVICES RID OF THE ENTIRE ALLEDGED DEBT THAT I OWE AND TO REMOVE THEIR TRADELINES FROM MY CREDIT REPORTS : XXXX, XXXX, XXXX, XXXX AND WHEREVER ELSE THEY'RE REPORTING THIS INACCURATE DATA. 
I HAVE ATTACHED PROOF FOR YOUR CONSIDERATION AND REVIEW OF THIS MATTER,
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-09-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: United PanAm Financial Corp. (GA)

I did not know the car was a salvage vehicle and that they clean the vehicle title to not show that it was a salvage vehicle. We asked where he got it from, but we never got an answer. He made me pay a down payment on this vehicle and I should not have because it was being financed. 
My consumer rights are being violated due to these issues and Official interpretation of 23 ( a ) Consumer 's Right to Rescind 12 CFR Part 1026 ( Regulation Z ).
Consumer complaint received 2024-09-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (TX)

To whom it may concern, I am writing to dispute the accuracy of the information reported on my credit report by Jefferson Capital Systems regarding a collections account for XXXX XXXX. I believe there is a misreporting of the amount owed. I have also recieved notice from Jefferson Capital Systems insuating that if this debt is not payed quickly that I may be legally liable/action can be taken against me The details of the account in question are as follows : Creditor Name : Jefferson Capital Systems Amount Reported : {$1100.00} I am requesting that this item be removed entirely from my credit report or that you provide me with proof of the debt, including detailed information such as dates of purchases and amounts for each purchase. 

Please investigate this matter and delete the disputed item ( s ) as soon as possible. I appreciate your prompt attention to this matter. 

Sincerely XXXX XXXX
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (PA)

On XX/XX/2024, at XXXXXXXX XXXX EST, I called Jefferson Capital and requested validation of a debt. I was denied my legal right to validation, and the agent informed me that they do not provide debt validation. Additionally, when I asked for their mailing address to send a formal debt validation request, I was told that they do not offer validation services. The agent further advised that I must pay them in order to view my profile with their agency. When I refused to make a payment, I was told that they could not assist me any further.

These actions are in clear violation of the FDCPA, which requires that a debt collector must provide validation of a debt when requested by the consumer. Failure to provide this validation and demanding payment without proper documentation is illegal and can not be allowed to impact my credit standing.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC. (TX)

You have sent me information on the validity of the debt referenced. I do not owe midland any money nor do I have any contract with this company. Please provide me with purchase agreement showing you own all right to this debt along with the term an conditions to the agreement allowing you to collect this debt.
Consumer complaint received 2024-09-24
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: Atlanticus Services Corporation (OK)

This account was open fraudulently. I called them numerous of times and told them that this account was not open by me to cancel the card. They told me that they were moved from my credit report because it was fraudulent. I have sent them police report FTF reports That I did not open this account. They claim that they will delete it as soon as possible.i also told them according to the fair credit report act fcra section 605 n it is illegal to report information on my credit report that is inaccurate without my permission. Please delete this item from my credit report as soon as possible.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

There is a fraudulent inquiry on my credit report from your company and according to the Fair Credit Act, they will be removed immediately. All needed documentation for this action to take place will be placed in the Dropbox below as we have done before. If you guys would read any of the documentation I provide you can see that I've been the victim of identity theft.
Consumer complaint received 2024-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

Through the dates of XX/XX/XXXX through XX/XX/XXXX my name was slandered by a bank employee who lied on me for no reason at all. The bank decided to restrict my account. 
All of my XXXX 's in my account was held up and put on hold. My Creditors was left with no payments. This caused me to lose my Credit accounts of {$100000.00} in credit flooring credit with XXXX XXXX XXXX and XXXX XXXX. My car lot has been financially damaged to to the negligence of Chase bank. Punitive damages going to be added to this complaint and also monetary damages. The to creditors have filed a UCC-1 letter blocking me from auctions and causing other auto flooring companies to close my accounts and not do business with me. Chase bank has also discriminated against my Civil rights company I had a business checking & saving account with this company also. I want my account put back to positive status and my {$14000.00} returned to me. Chase bank is liable for now thousands of dollars due to me and damages to my car lot XXXX XXXX XXXX. I will be mitigating this case and I must be compensated for my business loses. I will notify all of Chase bank 's donors and let them know also I have been discriminated against as a minority business owner and singled out and harassed and my privacy with my account was violated.
Consumer complaint received 2017-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XXXX/XXXX/2017 I made a purchase for {$490.00} but only paid {$200.00} up front. The {$290.00} were going to get placed onto my credit card within 7 days. I contacted Capital One to dispute a purchase I made XXXX/XXXX/2017 in the amount is {$200.00} on my credit card account after attending a seminar that was held at the XXXX XXXX in XXXX La. Me and my husband discussed we did n't want the services we paid for and decided to cancel the transaction. I tried contacting the company XXXX several times the same night and following day and could not reach them by phone. I emailed the company and did n't receive a response. I disputed the charge through Capital One because I had up until 3 days to cancel the order according to the agreement. XXXX XXXX granted the request and deducted the {$200.00} payment from my account. The company XXXX contacted me on XXXX XXXX, 2017 by email stating they were refunding my {$200.00} back into my account. XXXX XXXX, 2017, Capital One sent a letter to me in reference to XXXX reimbursed me for {$200.00}. And because I received a payment from Capital One and XXXX I was reimbursed {$200.00} from both companies. And capital one decided to reverse the {$200.00} transaction back into my account. At this point everything should have been taken care of concerning this transaction. I called capital One and asked them to remove my email from their marketing list. They removed my email address. On XXXX/XXXX/2017, I received an email again stating my credit card account had a freeze on it because an issue with the XXXX transaction that was made on XXXX/XXXX/2017. This transaction should have been settled a long time ago. I feel there is a privacy issue taking place. Every time I call capital one I 'm put on hold and this problem has not been solved. I have all the documents to back up my statement.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND THE CREDIT BUREAUS DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED EVERY SINGLE TIME I MAILED OUT DISPUTES... THESE FOLKS ARE NOT RESPONDING AT ALL TO CONSUMER DISPUTES ). 

I HAVE ATTACHED MY DISPUTES AGAIN THAT I WANT INVESTIGATED PROPERLY OR DELETED
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge 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: Bread Financial Holdings, Inc. (CA)

I entered into a rental contract with XXXX XXXX XXXXXX/XX/XXXX to rent an XXXX using my AAA visa credit Card. In addition to the rental, I purchase their XXXX XXXX ( see contract pg XXXX ). 
On XX/XX/XXXX there was an accident involving a low hanging tree branch resulting in damage to the top of the XXXX ( see pic pg XXXX ) Upon my rental return I was assessed damages in the amount of {$11000.00}. I was told this was a standard charge for damages. Regardless of the cost of repairs. NO INSPECTION, NO BIDS NO XXXX I was also informed that the XXXX XXXX I had purchased wouldn't cover any damages below the body of the XXXX or above the Window lines I advised XXXX XXXX that I was disputing the amount of the assessed damages and was requesting a professional assessment along with bids for repairs. 
I advised Comenity Bank/Bread Financial/AAA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( Monday XXXX ) that a disputed charge from the following evening might be coming from Indie Campers and let them know the charges were not authorized, not signed and disputed. I was assured the charge would be flagged and that I was protected. 
The following months statement reflected the charge from XXXX XXXX  to my account ( see pg XXXX ). I contact Comenity Bank and was advised by the customer service rep that my dispute and the charge had crossed XXXX another and that since the charge had already been funded to XXXX XXXX, I would need to dispute the charge online. 
I completed the online dispute and was told that someone would get back in touch with me in XXXX days. I again contacted Comenity Customer Service and explained I only had XXXX days to dispute the charge with XXXX XXXX via arbitration ( per their contract ). I was told nothing could be done and that someone would get back to me in XXXX days. 
At the end of the XXXX days I contacted Comenity Bank and was advised nothing had been done as they still needed some additional information and that a letter had been sent to me. I re-submitted the documents ( see pgs XXXX ) Parallel communication was happening with XXXX XXXX XXXX as well as emails to their legal team. ( See XXXX XXXX ) In XXXX I was advised by Comenity Bank XXXX XXXX correspondence that they were denying my request for reversal and they they were ruling in favor or XXXX XXXX No additional documentation would be provided XXXX XXXX refused to discuss the matter with me as they had already been paid ( see email pg XXXX ) I believe XXXX XXXX company breached their contract, provided an unfair assessment of damages, and violated the dispute resolution processXXXX XXXX unlawfully & fraudulently charged my credit card {$11000.00} for their arbitrary and unsubstantiated damage estimate.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NY)

According to the IRS Canceled debt ( CHARGE OFF ) Is gross or ordinary Income. According to the Credit Bureaus Income does not get reported on your consumer report. 
So This CHARGE OFF is inaccurate.
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NY)

This is the third time I have disputed the information that Citi is reporting to the credit reporting agencies. Today, XX/XX/2024, Citi provided an update to XXXX on my account ( documentation attached ) and continues to report that my account has a balance with a payment due ( and a status update date of XX/XX/2024 ). 

Pursuant to the agreement entered into with Citi on XX/XX/2024 ( documentation attached ), I made XXXX payments to settle the account in full. XXXX was paid as agreed on XX/XX/2024. XXXX 's payment was rescheduled to XX/XX/XXXX by calling Citi and requesting for the reschedule, which was verbally approved by the Citi customer service representative, and was paid as agreed on XX/XX/2024. The last payment was paid as agreed on XX/XX/2024. Following the third and final payment, the account was settled in full on XX/XX/2024, which was more than 30 days ago. Citi has acknowledged that all three payments were received and the account is settled in full ( documentation attached ). 

However, as of the new update sent to XXXX today, Citi is not reporting the payments made in XXXX ( XXXX ) or XXXX ( XXXX ) ( see documentation ). Previously, based on what Citi reported to XXXX in XXXX, Citi showed a date that the last payment was received as XX/XX/2024, but still reported in the payment history ledger that no payments were received in XXXX or XXXX ( documentation attached ). With the update that Citi submitted to XXXX today, the date of last payment received has been changed to reflect no date, XXXX is still showing as no payment received, and XXXX is showing as no data available. Basically, not only is Citi continuing to report inaccurate payment history but following Citi 's response/acknowledgement that all three payments in XXXX and XXXX were received ( see documentation ) and the account has been settled in full, Citi changed XXXX reported previously in XXXX to negatively impact my XXXX XXXX even more. 

Citi claims that the agreement on XX/XX/2024, did not say that they would report the payments I made based on the agreement to the credit agencies and that my payments do not count as meeting the obligations I have to pay Citi each month. This is abusive, misleading, and deceptive. Citi should be required to report timely accurate information to the credit reporting agencies based on the agreement dated XX/XX/2024 and the payments I made pursuant to that agreement should be reported as meeting my obligations to pay Citi.
Consumer complaint received 2017-12-06
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (TX)

XXXX XXXX opened the account on XXXX XXXX, 2012 ( 4 yrs, 11 mos ago ) following my acceptance onto permanent XXXX I was told I no longer was liable for the amount through their management agency. 

Please remove this immediately.
Consumer complaint received 2017-12-12
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. (AZ)

I had internet service with XXXX XXXX for a few years. XX/XX/XXXX I started to experience a lot of problems where the internet would go down for hours at a time. XXXX XXXX did not resolve the issue, therefore I terminated my service with them in XX/XX/XXXX. I had automatic payment setup and did not have a contract. My last payment came out of my bank account on XX/XX/XXXX. A couple of years later I checked my credit report and discovered that XXXX had turned me over to a collections agency ( XXXX XXXX ) for {$71.00} ( one month service fee ). I had disputed with the other two credit bureaus and both removed the collections. However, Equifax is being impossible. I submitted my first dispute XX/XX/XXXX explaining the whole situation and lost it. I submitted my second dispute XX/XX/XXXX explaining the whole situation again and even included my bank statement from XX/XX/XXXX providing proof that this balance was paid. I just checked the status, and again lost the dispute.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.