davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Scheer, Green & Burke L.P.A. (MI)

Good evening ; this company SCHEER , GREEN & BURKE L.P.A . I have disputed this before I need this company to not attempt to use my data since my name is a trust and is assumed and will take them to court for using name or data without consent. The company is asking me to write a letter and I will not assume responsibility is not mine and I will not give them any information of mine after they committed fraud by using my information without my consent. Also there is a declared disaster emergency in my area and they should not be reporting anything without my consent. I demand this company to stop harassment and trying to force something that is not mine. And I will have to put a court order asking them to provide information on how they were able to steal my data. I demand them to stop any reporting or I will be obligated to take them to court and I will defend myself as a woman and with the constitition rights as I have my assumed and trade mark name and they violating my rights as LAW land, air and water. Please do not use any data without consent because in court they will have to pay for the lien i have towards myself if anyone uses my name or any of my data because Im the beneficiary of the trust. Please I will notarized a letter and ask them for a verification of how they stole my data since I had identy theft and I consider that they were able to steal data and use it without my consent. Right now a lot of companies that have used my name as credit reporting agencies have to respond as well for miss using information without verifying it first.
Consumer complaint received 2024-02-27
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: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-02-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (LA)

I received a alert from XXXX stating that my credit score drop and that there was a added debt collection added to my file. I went onto XXXX and saw that a debt collect that is owed for XXXX and has been passed on to XXXX XXXX XXXX. The issue is I have never had any dealings with XXXX  for service. As far as the information on my credit report this debt was open in XXXX  and is now past due! I have been with XXXX for cell services! This debt is not my debt and I have no known knowledge about this. I have tried to contact the company on XXXX and on XXXX I was able to speak with someone and get a reference number.
Consumer complaint received 2024-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dobberstein Law Firm, LLC (WI)

I had disputed this debt on XX/XX/2023 and it was NOT OWNED by Dobberstein Law Firm. According to records on credit report it was owned by XXXX XXXX which purchased it in XXXXXXXX XXXX XXXX 
Currently I am being sued in small claims court by Dobberstein Law Firm who stated that I did not dispute debt through their company. I believe Dobberstein Law Firm purchased an invalid debt and is practicing unlawful debt collection. 
I requested debt validation and Dobberstein sent me a copy of original contract between me and UOwn Leasing and a print out from their personal records. The amounts did not match nor the number of payments. They also did not have any information regarding it being previously disputed. 
XXXX conducted an investigation and between XX/XX/2023 and XX/XX/2023 this was removed from my credit report.
Consumer complaint received 2024-02-22
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Medical Data Systems, Inc. (NC)

I would like to make a formal complaint for Medical Revenue Services, also known as XXXX XXXX XXXX. This debt collection agency has been calling me from my place of employment at least 15 times per day ( I have phone records to show ). I have reached out to them multiple times to request that they seize all phone communications and asked to send any correspondences to my home address. I let the agents know that this was my work number, and the amount of calls that I was receiving per day is disruptive and compromising my job. One of the agent even stated that she saw the account was noted no contact and did not know why I was been contacted so many times. I asked them to remove my work number from their list and reiterated that they do not call me at work. Presently, I am still getting calls at work, multiple times per day and still being harassed. 

Their address is XXXX XXXX, XXXX Alabama XXXX XXXX Phone # XXXX
Consumer complaint received 2024-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (GA)

Hello, I hope this finds you better than I. Today I found out that my checking account with Huntington Bank is frozen. I attempted to use my debit card and it was rejected so I called customer service. When they told me about the freeze, an account manager said Id have to go to the nearest branch to resolve. Unfortunately, this bank does not have any nearby branch, and even when asked, they couldn't tell me which was the nearest branch. Apparently, somebody filed their taxes in the state of Ohio, a state I dont or have ever lived in, with no connection to me, and used my checking account to issue the refund. It was deposited in my account and then they froze my account because of it. When I was told this I instantly said that it makes no sense as I have never filed Ohio taxes and that it was obviously not mine, she then told me that the person whom this was meant for is XXXX XXXX, or something similar to that, and I insisted I did not know this person. I also asked to reverse those funds but she did nothing and just kept telling me to go to the branch, which is impossible. That call ended in the morning and I called again later in the afternoon. At first, I was told the same thing, you have to go to a branch, but as I insisted and pleaded my case, I was placed on hold then told to send a notarized letter stating that I want my account closed and a check will be issued and sent via postage. I felt like I was being shrugged off like in the first call so I asked that if the account was frozen and the money unaccessible, how would they be able to close the account, can you give me assurance as this is time sensitive and this may take weeks? I was placed on a brief hold again and told that it wouldn't work and the only option would be to go to a branch. Im unfortunately not able to and she said to just keep the account as is until I am by a location, but I have no idea what that is and she couldn't give me any information or assurances regarding the monthly maintenance fees that will be charged to the account while all this is happening. I even compared it to holding my money hostage and what a huge impact this is having on on life as rent is due and no option other than wait months if not years to go to a branch. I tried contacting them on XXXX and nothing, on email I was shrugged off again, I even dialed the international number and nothing either. I am at my last resort and hope that you can help me as I feel absolutely helpless in this situation. Plus, they refuse to reverse the IRS refund that somebody probably needs or, at the very least, waiting for.
Consumer complaint received 2024-01-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

accounts are not mine. no knowledge of it, no legal obligation 4 it and no information as 2 its origin. There is no police report or fraud affidavit possible. please check not untimely incmplete inaccurate. check attached
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Under the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), there exists a crucial need to ensure that consumer reporting agencies discharge their duties with fairness, impartiality, and utmost respect for the consumers right to privacy. Recognizing XXXX, XXXX, and XXXX XXXX as consumer reporting agencies, and myself as the Consumer, I assert my right to safeguard my private information. This right is reinforced by 15 USC 6801, which mandates that financial institutions uphold customer privacy. XXXX XXXX XXXX, and Kohls Department Store fall within the definition of a financial institution under this statute. Per 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies are authorized to furnish a consumer report solely in compliance with the written instructions of the consumer. XXXX XXXX XXXX, and Kohls Department Store, with XXXX XXXX XXXX XXXX and XXXX lack my consent to furnish this information and are devoid of my written authorization. Any form of consentbe it verbal, non-verbal, written, implied, or otherwiseextended to XXXX XXXX XXXX, and Kohls Department Store, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX revoked . Moreover, 15 USC 6802 ( b ) ( c ) stipulates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to opt-out. Regrettably, XXXX XXXX XXXX, and Kohls Department Store failed to apprise me of this option. Furthermore, 15 USC 1681C ( a ) ( 5 ) expressly prohibits consumer reporting agencies from including adverse information in a report without proper authorization. The accounts in question constitutes adverse information being reported without my explicit consent, which constitutes a violation of the law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) mandates that individuals may not furnish inaccurate information to a consumer reporting agency, while 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations. XXXX, XXXX XXXX and XXXX are evidently failing to adhere to these requirements. Lastly, 12 CFR 1016.7 affords consumers the right to opt-out at any time. Consequently, I am opting out of XXXX XXXX XXXX, and Kohls Department Store 's reporting services .
Consumer complaint received 2024-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (VA)

On or about XX/XX/XXXX I contacted Chase bank to let them know about the unauthorized charged in my account and that I needed it to have it care of. I also contacted the Merchant and to reverse the charges but didn't received no response. I then contacted the bank again, and the agent said they will take care of it. They issued me out a new bank debt card, but now I started having issues that the bank debit card closed. I then contacted Chase bank and they activated the card since it was not appearing at first and that I was good to go. I was having issues with the PIN number also but they never did. I called them on XX/XX/XXXX and asked for my PIN number and that they will send in within XXXX business days but never received it. On XX/XX/XXXX They debited my account for another unauthorized amount estimate of {$200.00} and they did not provide me with no explanation on to why this happened. When I lost my phone for a period of time, I was able to find it afterwards. However, between the time I lost it and when I found it the company refused to acknowledge that someone could have my phone and then use it and afterwards which is when the charge on my card occurred. I attempted to explain this to them and they failed to acknowledge this and send me back my money. This is a new complaint and not the same as the previous or a duplicate but with added notes and comments which is submitted with a police report and needed for my refund. I submitted this new information and the company has failed to respond. I submitted the additional information on what happened with the phone and the company ignored it and has failed to act on my money and claimed the CFPB has no jurisdiction on how they handle money in their accounts and they can do with it as they please.
Consumer complaint received 2024-02-23
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (WV)

I checked my credit report on XX/XX/XXXX and noticed a collections from company named Jefferson Capital Systems LLC. Their address is XXXX XXXX XXXX XXXX XXXX, MN XXXX. Their phone number is ( XXXX ) Says account opened XXXX, XXXX. States account is past due as of XXXX XXXX. States account number is XXXX. States balanced owes is {$950.00}. I have never received a letter from this debt collector of this matter via email, text, or mail. Never have received a letter from them to my mailing address. Never have received any calls from them. I have no acknowledgment of this account. When I tried to call Jefferson Capital Systems number provided on my credit report, it immediately has a recording asking for your social security number or your account number. Upon me trying to enter both, the recording replys back and says, there are no customer service reps available and no information can be provided link to my social security number nor the account number they provided on my credit report. Also XXXX does not exist. XXXX existed over 10 years ago but now they are called XXXX. I did try to obtain the original creditor contract from them but you can not speak with anyone of this company.
Consumer complaint received 2024-02-24
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NY)

Over the past three weeks, my accounts have been repeatedly flagged by Citibank 's fraud systems for routine purchases. Despite daily calls to verify my identity and transactions, my account is cleared only to be blocked again the following day. This cycle has occurred more than a dozen times in the last two to three weeks alone. I've spent countless hours speaking with fraud specialists and supervisors, yet even after adjustments made to my account, the relentless false positives persist within Citibank 's flawed system. It has become an intolerable nuisance.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST PORTFOLIO SERVICING INC (MD)

First Access XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX Subject : Request for Removal of Collection Account Dear Sir/Madam, NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

I am writing to request the removal of a collection account [ XXXX ] that has reported to the credit bureaus regarding a debt that was discharged in my recent bankruptcy filing. The bankruptcy case number is [ XXXX ] and was finalized on [ XX/XX/XXXX ]. 

As per the United States Bankruptcy XXXX, any debts that are XXXX in a bankruptcy case are legally forgiven and the debtor is relieved from any further obligation to repay them. Therefore, the collection account that [ FIRST ACCESS ] has placed on my credit report should no longer be reported as it is in violation of the Fair Credit Reporting Act. 

I kindly request that you promptly remove the collection account from my credit report to ensure the accuracy of my credit information and to comply with the law. Failure to do so may result in legal action being taken against [ FIRST ACCESS ] for violating my rights as a consumer. 

I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of the collection account in writing. 

Thank you for your anticipated cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Under 605B, this account should be removed ASAP. It's bothering me because it's on my credit report, even though it doesn't belong to me. I really hope the company acts fast to get rid of it.
Consumer complaint received 2024-02-22
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: FIRST CITIZENS BANCSHARES, INC. (FL)

Between XXXX and XXXX, we failed to provide proof of flood insurance for 9 properties included in 1 commercial bank loan with First Citizens Bank. As a result the bank imposed forced-place insurance totaling {$280000.00} which was bundled in a recent refinanced mortgage at 6.85 % interest. 

The bank provided a copy of XXXX 's forced-place insurance policy which totaled {$21000.00} ( XXXX x {$2400.00} ) at $ XXXX coverage per property. 3 years, at this approximate premium, should be roughly $ XXXX, not $ XXXX. Also, although this is a commercial loan, the properties are considered " residential '' by the National Flood Insurance Program ( NFIP ). NFIP allows a maximum of $ XXXX coverage not $ XXXX per policy. Accordingly, we estimate that the premium should be roughly ( XXXX x {$1200.00} ) or {$10000.00} per year or {$32000.00} for 3 years which is roughly half of $ XXXX. 

Based on the evidence we're providing and our estimated calculations, we feel the bank has over charged us approximately $ XXXX. We requested that they explain the charges on XX/XX/XXXX and have not received a response since then. This email request to them is also attached. 

Finally, we have already made the first 2 mortgage payments that include this money owed at 6.58 % interest. We have not paid anything else towards this specific " debt ''.
Consumer complaint received 2024-02-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

Something is not right about Portfolio Recovery Associates filing a XXXX. In XX/XX/XXXX I learned by viewing a XXXX XXXX XXXX filing that I was being sued by Portfolio Recovery Associates to pay an alleged debt. I responded to the small claims court filing with a defense document submitted after spending hours of my time learning how to do this. I was never served anything, one of my defenses. The alleged debt was a XXXX debt with known interest charge issues so I questioned the balance owed. However, the only option available to me after my response to the lawsuit filling was that I had to attend a mandatory mediation with a legal representative of Portfolio Recovery Associates. I was not prepared to defend myself. I agreed to a {$25.00} per month payment plan. Eventually the loan was paid off and satisfied. ( Payments stopped at some point with no further communication from PRA. ) It was when I received a C-1099 form submitted by Portfolio Recovery Associates I learned that the company discharged the alleged debt in XX/XX/XXXX. How can they discharge a debt that was paid off? How can they have this as my " XXXX XXXX XXXX XXXX '' debt on their books in XXXX? I also have a XXXX XXXX XXXX filed XX/XX/XXXX. It is essential that my tax filing is as accurate as possible. In the XXXX federal tax filing I am able to use the form to essentially discount the alleged debt amount and I should not be liable for a settled debt income because I paid it off. ( Plus both owed state and federal taxes from XXXX to present period makes me " insolvent ''. ) It looks to me that PRA had me on its books as a debtor. Did the company represent to the IRS that I was in debt or had a discharged debt? I am working with a tax attorney to resolve my federal tax lien and my state tax debt. Please help me identify what may be wrong. Did PRA submit a false claim to the IRS?
Consumer complaint received 2024-02-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (AZ)

About 6-7 years ago XXXX informed me that I had a bill with them. I cant remember how but I let them know that I never had an acoount with XXXX. It was resolved and I didnt hear from them anymore until about 2 or 3 years later and it was a collection agency by the name of XXXX XXXX XXXX and I told them the same thing and they sent me a letter saying that they would remove it from all the credit bureaus. Then three years later another collection agency by the name of Jefferson Capital Systems reported something negative to my credit. I called them up and let them know the situation but nothing was resolved. I sent them a letter and disputed this. Im tired of the harassment just because a collection agency buys debts that the original company cant profit off. My credit is good. I pay all my bills on time and I have nothing in collections. I am not responsible for this debt. My credit has suffered massively due to this and a student loan that I will be making a complaint for as well. Please help me put a stop to these vultures.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC (NV)

Per the IRS publication XXXX a charge off ( see attachment page XXXX column XXXX ) is consider income. This account is reporting wrong. 

Since it is considered income according to the IRS and per 15 USC code 1681, income is not one of the items that can be reported to the consumer report See attachment If you continue to report after this notice, you are violating my right under FCRA and agreeing to pay me XXXX dollars per violation. 

Also, according to 15 usc 6802 I am opting out of any authorization, that I may have given you to report
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

As a natural person and consumer of the United States. In accordance with 15 USC 1681 Dept of Education has violated my right by reporting inaccurate account number and Last reporting dates on my consumer report.