davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Regional Management Corporation (MT)

When I contacted the company : regional finance company of New Mexico and XXXX XXXX XXXX XXXXXXXX, both companies told me they could not proceed with any further information because my name and birthdate did not match her Social Security number. It is my Social Security number! But, someone elses name and birthdate and address which is a PO Box in Arizona. I reside in Montana. The amount of the balance that is showing up on my credit is {$6300.00}. XXXX. My Social Security number was used without my knowledge. The debt owed is definitely not mine. I need help posting an alert to this fact.
Consumer complaint received 2021-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commercial Acceptance Company (MI)

I had received a phone call from a collection agency of an outstanding bill from a property I use to live at, the debt collection company told me to contact the property company. The company claimed there were damages to the property totaling XXXX dollars after keeping a security deposit. I had requested the company provide proof of damages which they could not due stating they no longer had. I had told them with out proof of damages or the debt I can not pay the amount. The collection agency continues to call me despite not giving me proper proof, or even proper written notice as the company claimed.
Consumer complaint received 2021-07-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions (GA)

In XX/XX/2017, we moved into XXXX XXXX XXXX, soon after we moved in we had AC leak that left our hallway and rooms saturated with water. We notified the apartment complex several times in writing letting them know that we needed someone to come out and fix this problem. We let them know several times that no one came out to fix this problem and that we started to notice a smell. The complex sent out a maintenance man to PAINT over the growing mold in the walls and floorboards and placed a blower in our hallway. XXXX XXXX  failed to properly remediate XXXX XXXX  in our carpets and walls, causing our family to get sick. One of our children got so sick the children 's hospital had to put him to sleep and perform a XXXX XXXX  on him at XXXX years old. We had to move due to unlivable living conditions. We had to hire an attorney to help us through this horrible time. Now 3 years later XXXX XXXX  placed a collection for {$1800.00} towards the last month 's rent for a place that was deemed unsafe to live in. This collection should not be on our credit and now in turn is negatively impacting our credit and preventing us from being able to find a place to live.
Consumer complaint received 2021-07-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Systems International, Inc. (TX)

XXXX XXXX XXXX XXXX XXXX is trying to collect {$140.00} from me for a debt that I have already paid. They sent the debt to a collection agency, Credit Systems International. I have written to Credit Systems International demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or agreement with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money which has already been paid and for which they have no document bearing my signature. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt. I have sent XXXX XXXX XXXX of XXXX a copy of my bank statement showing a payment which they never acknowledged.
Consumer complaint received 2021-07-01
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: Experian Information Solutions Inc. (CA)

I have several student loans open with Dept. of Ed/XXXX. I am currently in school still. I've made several attempts to dispute inaccurate information on my credit report with the company itself and credit bureaus. They are reporting different information to each of the three bureaus, so nothing matches across the three bureaus. They are reporting late payments that don't even make sense. The account goes from good standing to all of a sudden 90 days past due within a 30 day period in XXXX of XXXX and as well as in XXXX of XXXX. They state they were trying to contact me to make payments but the phone number they had on file for me was a phone number from Texas and I have never lived in Texas or have been associated with anyone in Texas. I have proof of my credit reports they are reporting inaccurate information across all three bureaus and none of the information matches, however, every time I dispute the information it comes back verified. I'm unsure how the information could come back as verified when none of the information matches or equals up correctly.
Consumer complaint received 2021-07-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (OH)

I am not liable for this debt with XXXX XXXX OHIO and I do not have a contract with ONLINE COLLECTIONS plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$110.00}
Consumer complaint received 2021-07-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (TN)

Two complaints have been filed against SANTANDER CONSUMER USA ( # XXXX & # XXXX ). 



SANTANDER CONSUMER USA have violated my rights as a consumer therefore, a CEASE AND DESIST letters were sent. However, the debt collector SANTANDER CONSUMER USA is threatening to repossess the vehicle associated with the referenced account listed in the prior complaints.

By SANTANDER CONSUMER USA using profane language to repossess the property referenced is a violation of my consumer rights -- pursuant to 15 USC 1692d ( 1 ) ( 2 ).

As one can see in the attached content, SANTANDER CONSUMER USA has violated my rights as a consumer -- pursuant to 15 USC 1692e ( 2 ) ( A ) ( B ) because a false representation of amount of the debt as well as making an attempt to receive compensation by SANTANDER CONSUMER USA, a debt collector for the collection of {$1700.00} sent to the address ( XXXX XXXX XXXX XXXX XXXX, TX XXXX ). 

As mentioned before, letters were sent -- pursuant to 15 USC 1692c ( a ) no prior consent of the consumer ( myself, the natural person ) was given directly to the debt collector. Furthermore, SANTANDER CONSUMER USA may not communicate with the consumer in connection with the collection of any debt. Here is where SANTANDER CONSUMER USA violated my right as a federally protected consumer. 

The letter sent on XX/XX/2021 contained more violations committed by SANTANDER CONSUMER USA. 

First of all, the symbol of the debt collector is visible on the upper left hand corner of the content attached in this complaint -- pursuant to 15 USC 1692b ( 5 ) my right as a consumer was violated by including a symbol indicating that SANTANDER CONSUMER USA is in the debt collection business. Not to mention that at the very bottom of the content, it reads, " SANTANDER CONSUMER USA IS A DEBT COLLECTOR ... THIS IS AN ATTEMPT TO COLLECT YOUR DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE ''. 

Secondly, SANTANDER CONSUMER USA stated that the total amount now due is {$1700.00} which is a violation of my consumer right -- pursuant to 15 USC 1692e ( 2 ) ( A ).
Consumer complaint received 2021-07-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

The following reports the steps of a Rental Scam that I was recently a victim of. Neither Chase Bank or XXXX has been helpful in fixing the problem, taking legal action, or taking any action to help return the funds that was stolen from me using their platforms. A big part of this fraud occured because I was mislead into thinking XXXX was a secure platform since Chase 's online platform recently switched over to using XXXX exclusively for online transfers. 

I applied to an ad in XXXX for a rental property located at XXXX XXXX XXXX, XXXX, NY XXXX. A man who calls himself XXXX XXXX from email XXXX replied after a few days and said he was interested in renting it to me, though he was not available for a walkthrough because he is currently based in Texas, but that I was free to peak in the windows. This worked for me as I was currently traveling and needed something quick for employment in the area. 

I sent a payment on XX/XX/XXXX via XXXX as requested for the firsts month rent + Security Deposit in the amount of {$1300.00} to XXXX Transaction # XXXX. I was told this was his assistant. 

A few days later XXXX requested I needed to also pay the last months depost due to my income at the request of his lawyer. On XX/XX/XXXX I send a XXXX Payment to XXXX Transaction # XXXX for the amount of {$870.00}. I understand requesting a last months deposit / Security is now an illegal practice in the state of New York, but I assumed he was just an older individual doing things in an old fashioned way, so I reluctantly made the payment. 

A few days later XXXX than requested that I send him an additional {$640.00} for XXXX. Neither this nor the last months rent was included in the lease I signed and was almost certain it was a scam at this point. Durring all these exchanges / payments he has refused to sent the keys until the next payment is made. My move in date was in 5 days and he still has not sent the keys. I have asked for a refund, but the refund as now been delayed, and I am scared I will not get any of my money back. I also now have nowhere to live, and won't be able to start my Full Time Employment that was scheduled for XX/XX/XXXX.
Consumer complaint received 2021-07-01
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CW Financial (AL)

I got a text from the number XXXX saying a document delivery for me was scheduled for XX/XX/2021. If I wanted to redirect the delivery, I could call XXXX Reference number XXXX. I called the number and a man by the name of XXXX picked up and informed me he was XXXX from Crestwood Mangagement out of XXXX, AZ and I owed {$400.00} to a place called XXXX XXXX XXXX  I told him I had never heard of the place and I knew this was a scam. Apparently, he knew someone I was married to about 20 years ago because he said her name. I asked him where XXXX XXXX XXXX  was located and which store I supposedly took out this loan was and he just told me they had many locations throughout the U.S. I informed him, I was going to report him and that I was a former military police officer and I knew he was a scammer. Also, I contacted the XXXX  and they informed me Crestwood Management was out of XXXX, OH. I have never never heard of, or done business with a XXXX XXXX XXXX to my knowledge.
Consumer complaint received 2021-07-01
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-07-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (GA)

I have been harassed by MACYS about a debt I do not owe. They have contacted me at my place of business which is out of order. They are in violation of several US Codes. In the attached Exhibits you will see MACYS is in Violation of 15 USC 1692b. ( 5 ), 15 USC 1692d. ( 2 ), 15 USC 1692b. ( 2 ), and several others. Attached you will find mailed copies from me the consumer, to MACYS stating I do not owe this debt, a cease and desist, along with Exhibits A and B, with their USC violations. There is an Invoice attached for {$8000.00} due to the criminal and civil negligence on MACYS behalf. I would like for MACYS to stop contacting me in regards to this debt that I do not owe, and pay me for the multiple violations giving to me under under 15 USC 1692
Consumer complaint received 2021-07-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I created a Coinbase Pro account for trading cryptocurrency on mid XXXX. I was enticed to transfer digital assets to the Coinbase Pro account at that time. However, after I transferred the cryptocurrency to the account, my withdraw limit was set to XXXX. 

In other words, I am not able to transfer any digital assets out of Coinbase. It is fraud apparently. The restriction let me lose many investment opportunity and lose a lot of money.
Consumer complaint received 2021-07-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC (CA)

Medical Debt provided on my credit report is accruing interest, provided by Capital Accounts XXXX is a collection/chargeoff that was reported XX/XX/XXXX. In XX/XX/XXXX the reported balance was {$650.00} and now XX/XX/XXXX the balance is {$720.00} in XX/XX/XXXX. No original contract has been provided to me proving that this debt is mine and stating that this collection can add interest or fees if it is mine. I asked for debt verification multiple times and never received how they verified the debt is mine at all or a contract with my signature proving I owe this debt. 
Account # XXXX
Consumer complaint received 2021-07-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

On XX/XX/XXXX XXXXXXXX XXXX. I received my PPP loan from SBA, the next day at XXXX XX/XX/XXXX someone changed my phone number and email in cash app. I seen that someone changed it and you immediately went to customer service and talk to cash app. The lady from guys you have asked me if I wanted my account reset I said yes proceed and reset my account so no one can get in it well the very next day at XXXXXXXX XXXX. in the morning someone stole over {$12000.00} out of my cash app account from my ppp they did not reset my account and someone was able to go in it. That was the XXXX of XXXX when I called in and explained everything to cash app now on the XXXX I got a response that I lost because I knew the person first of all I don't know these people second of all they have a foreign names I can't even pronounce so I don't know them and {$12000.00} was stolen from me and cash that refuses to help me or give it back they just say that I knew them to close however you will see that I did my due diligence I called in warned them this one was trying to get in it when I seen it I even spoke to a supervisor on the XXXX of XXXX he stated to me out of his mouth on recording cuz everything is recorded that they drop the ball the account was not reset correctly and that's how they were able to get in it. So the supervisor said they dropped the ball they still refuse to give me my money over {$12000.00} and told me I lost you will see in all of our text messages between me and cash app where they drop the ball not in me
Consumer complaint received 2021-07-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M. G. Credit, Inc. (FL)

I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with MG CREDIT plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$840.00}
Consumer complaint received 2021-07-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc. (CA)

GM financial is in violation pursuant to 15 usc 1692a Debt Collections. On XX/XX/2021 I mailed in a validation of Debt letter pursuant to 15 usc 1692g which was never answered.on XXXX I sent by certified mail with a return slip, my affidavit of facts, Debt Validation, Cease of desist, invoice, Exhibit A showing the violations.
Consumer complaint received 2021-07-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

It has been well over 45 days ago I reported an inaccuracy on my credit report to Experian Credit Bureau in regards to a late payment from XXXX XXXX. I was never late on my payments and all other credit bureaus have me in good standing with this company as well. I requested proof of verification from the credit bureau and they have failed to present their proof. 

I demand that the following account be verified or removed immediately : I never had a late payment 1. XXXX XXXX Case # XXXX Date : XX/XX/2016 Please remove it from my credit report. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Consumer complaint received 2021-07-01
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: OneMain Finance Corporation (LA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-06-30
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: EQUIFAX, INC. (WV)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2020. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2021-06-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc. (MN)

On XX/XX/2021 at XXXX XXXX  and XXXX XXXX, respectively, I received 2 back-to-back calls from phone number XXXX stating the following " We have a message from State Collection Service ; this is a call from a debt collector please call XXXX '' ( and the second voice mail left the exact same message, but with phone number XXXX ). 
Upon researching State Collection Service, I discovered they are located in XXXX, WI -- an area code of XXXX, NOT XXXX ( which is norther MN area code ). I also read their MANY customer reviews, 95 % of which accused State Collection Service of being fraudulent and/or collecting debts in illegal manners that do not comply with standard debt collection practices ( over charging their credit cards, threatening them, using vulgar language, reporting non-payment to the credit bureaus even when they paid, etc. ) I have ZERO debt, as I pay my bills using automatic payments to my credit card ( and then pay that down to XXXX multiple times each month ). Things like my mortgage are ALWAYS paid on time, and my auto loan is so new that I do not even owe my first payment on it yet. 

I had ONE case where a medical bill of {$25.00} was sent to collections ; however my paid-in-full check for {$25.00} was in the mail at the same time that XXXX sent that past-due bill to collections, and this was after their representative told me NOT to pay it as my assistance application was being reviewed ( to which I have still not heard back regarding that status, hence why I just paid the {$25.00} off in full. ) -- ALL of this was explained to the debt collector who called me. That issue was no more, as XXXX received my payment, and all debts were settled. 
I have recently ( and by recently, I mean yesterday ) looked to see if I had an ( y ) outstanding bill ( s ) with XXXX as I have been going in for numerous appointments as of late to diagnose potential XXXX. My running balance as of XX/XX/2021 is {$0.00}. 

Due to the fact that my ONE collections experience was a total mishap, my recent balance due being {$0.00}, all bills paid up in full amounts owed for the period, and the fact that I manage my finances EXCEPTIONALLY well, I do believe that this attempt to collect a debt ( that I obviously do not owe ) is FRUAD, and I would expect that this report be taken seriously so that someone in a less-managed position than I am in can avoid being taken advantage of by these criminals.