davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (IL)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (PA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-09-03
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (PA)

My name is XXXX XXXX I didnt open this account this account was open in my name fraudulent without my permission so please closed this account out and waive the balance to {$0.00} etc. Account number XXXX Reference XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (CA)

Subject : Discrepancies on My Credit Report I hope this message finds you well. 

I am writing to bring to your attention multiple discrepancies I discovered on my credit report. I was recently rejected for credit approvals, which raised concerns regarding inaccurate information that does not pertain to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX misused my personal information to acquire phones and other items in my name. Despite my efforts to rectify this by filing documents for removal of these accounts and requesting verification through wet signatures, they have not complied. 

These incorrect accounts need to be removed as they are hindering my ability to live my life without undue interference. 

Thank you for your attention to this matter. 

XXXX LVNV FUNDING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-15
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: EQUIFAX, INC. (GA)

I was a victim of identity theft and I request again to remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$75.00} ; XXXX XXXX Balance : {$8400.00} ; XXXX XXXXXXXX Balance : {$700.00} ; XXXX XXXX XXXXXXXX XXXX XXXX {$20000.00}.
Consumer complaint received 2024-09-01
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (AL)

Jefferson Capital System has harassed me repeatedly over and over again. They threatened that if I didnt pay something that during the said time I was in fact XXXX XXXX XXXX XXXXl, said they would going to sue me, they would mess up my life with my credit, and they would send me XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX has a account open my credit reoprt that date XX/XX/2023 which is seven yr old, would like for this to be remove from my credit report
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Paramount GR Holdings, LLC (TX)

XXXX XXXX XXXX Account number XXXX GOODLEAP Reported : XX/XX/XXXX + {$34000.00} Needs Attention GOODLEAP LLC Inquiry : XXXX XXXX, XXXX GOODLEAP LLC Reported : XX/XX/XXXX + {$100000.00} Needs Attention
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc (OH)

Bank card : chime On Thursday, XX/XX/year>2024, at XXXX 1 attempted to withdraw money from a XXXX Bank ATM XXXX identified as XXXX XXXX, using my debit card. During the transaction, the ATM failed to dispense the cash, and I did not receive a receipt confirming the transaction. Despite this, the amount was still deducted from my bank account. 
After realizing the issue, l immediately contacted my bank to report the problem and initiate a dispute. However, my bank informed me that they could not proceed with the dispute unless I provided a receipt from the ATM. Since the ATM did not provide a receipt, I am unable to fulfill this requirement. 
I have also reached out to XXXX Bank, the owner of the ATM, but they have directed me back to my own bank, leaving me in a difficult situation with no resolution in sight.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (GA)

I had a family emergency in the summer I had to travel so I left town in a hurry. When I came back I discovered someone had used my credit to create personal loans as well as credit cards. I contacted all of the entities the information was listed in my credit report and they advised it would be removed but I still see it shows as verified as accurate. So now my credit is being affected it by these debts. Ive called numerous times even went and got the police is involved as this is MAJOR debt and I did NOT authorize the use of my credit for ANY reason. I dont use my credit this way. The only thing that should be on there is my HOME.Other than that the rest of this debt is fraudulent and I disputed it but they keep advising its being removed and its still on there. So Im filing with you all to see how you can help me. I will attach a copy of the police report as well. All Im trying to do is make this right.
Consumer complaint received 2024-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I am a victim of identity theft and fraud. 
I have no awareness of the company and have never done business with them. Collection mentioned this business is in XXXX Texas. I live in California.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate
Consumer complaint received 2024-09-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (AR)

My chime card was stolen, and charges were made fraudulently on my account. I filed a dispute with chime, but I still have not received my funds. I'm writing this complaint requesting that this claim be governed for constructive fraud with this company.
Consumer complaint received 2016-04-08
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: Nicholas Financial Inc. (FL)

In 2006 my identity was stolen when my vehicle was broken into and wallet was stolen with my social security card, drivers license and bank cards. My identity was used without my knowledge to purchase a vehicle through a company call Nicholas Financial Inc / Investment Retrievers. I contacted this company on several occasions to have this issue resolved. I was ask by the police department to have this company release all documentation so that they can do a full investigation but was told that they cant provide anything without a summon and the police are saying they cant move forward without the documentation. This is affecting my credit.
Consumer complaint received 2024-09-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Credit Services Inc. (GA)

I am writing to file a formal complaint against First Credit Services and XXXX XXXX XXXX for their continued harassment regarding an alleged debt that is beyond the statute of limitations and after/ they have been formally notified to cease and desist all communications. 

On XX/XX/year>, I sent a certified cease and desist letter to First Credit Services and XXXX XXXX XXXX, clearly stating that they are to stop all contact with me regarding this matter. Despite this, I have continued to receive phone calls, letters, and other forms of communication from the agency. 

Furthermore, the debt they are attempting to collect is time-barred under the applicable statute of limitations. First Credit Services and XXXX XXXX XXXX are knowingly and willfully attempting to collect on a debt that they are legally barred from pursuing. 

Their continued actions are not only a violation of the Fair Debt Collection Practices Act ( FDCPA ), but they have also caused me considerable stress and XXXX. I request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action against First Credit Services and XXXX XXXX XXXX, for their unlawful and unethical practices.

Also in Georgia, the statute of limitations for filing a lawsuit to collect credit card debt is six years from the date of default. The statute of limitations begins when the account is " charged-off '' due to missed payment, which can be identified on credit card statements. However, the statute of limitations can be extended or renewed by certain actions, such as : making payments, promising to pay the debt, entering a payment agreement, and making a charge using the account. Please find attached copies of the cease and desist letter and any other relevant documentation. I appreciate your immediate attention to this matter and look forward to your response.
Consumer complaint received 2023-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

I sent my XXXX 's mortgage. A check in the amount of {$1400.00}. Later that month I received a text message from the bank telling me, that the mortgage had not been paid. 
I check my bank statement and the check was cashed. 
I called Wells Fargo to find out, who they had authorized to change that check. I have provide them with everything they have ask for. Wells Fargo had told me, they are going to close the case. Two month later, this has not been resolved and Everytime I called is a different story.
Consumer complaint received 2016-08-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Service Company, INC (MD)

The collection agency was notified, in writing, that the discounted amount they are trying to collect was through my insurance company and XXXX. The services were covered by XXXX at the time of service. 
It has been 3 months and they still are saying I owe this money, even after I sent them a copy of my XXXX showing I do n't owe it. 
They also reported this to all XXXX credit bureaus. 
Every time I call them, they tell me they are still working on it. 
If you are disputing an account, the collection agency should not be allowed to put this on your credit report!
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (IL)

I have been attempting to resolve an issue with Barclays Bank since XX/XX/year>, regarding difficulties with updating my phone number and verbal password. Unfortunately, I have encountered repeated challenges with the customer service representatives, who have either been unable to assist or have transferred me multiple times without resolution. In some instances, the calls have even been disconnected after prolonged periods of waiting. 

Despite assurances that there was no issue with my credit card, I have repeatedly experienced declined transactions despite having an available balance of over {$400.00}. After several attempts to resolve this matter today, I spoke with XXXX, who was unable to assist and transferred me again, even after I expressed my intention to report her for not addressing my concerns. Eventually, I was connected with XXXX, a XXXX, who informed me that my case is currently under review by the Executive Office. However, I have yet to receive any communication from them, and he was unable to provide clarity on why my card continues to be declined. 

I have made numerous attempts to contact Barclays via phone and email over the past week, but the issue remains unresolved. I respectfully request a prompt and thorough investigation into this matter, as it has caused significant inconvenience. If the XXXX XXXX is indeed reviewing my case, I would appreciate an update on the status and a clear explanation of the reasons behind the ongoing issues with my account.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Atlanticus Services Corporation (VA)

The issue Im having is that someone used my social security number to obtain an apartment. The first name of the person is her name and the last name is my name. She used my social security number and birthday. I asked the rental property to give me more information on said person. They declined for privacy reasons. I already file fraud with the credit bureau. I want her name and address off my credit report as soon as possible. I also have accounts that are not mine on my credit report. I have several accounts from XXXX that are not mine. I also had my name ran several times to obtain credit that I did not do as well.
Consumer complaint received 2024-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information LATE PAYMENTS DATES AND ACCOUNT NUMBER Account Name : XXXX XXXX Account Number : XXXX Account Type : Credit Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Paid, Closed. 
Status Updated : XXXX XXXX Balance : - Balance Updated : - Recent Payment : - Monthly Payment : - Credit Limit : {$500.00} Highest Balance : {$800.00} Late Payment Date : XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX NOT MORE UPDATES, REMOVE LATE PAYMENTS OR REMOVE THE ACCOUNT
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.