davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Retail Merchants Associates (LA)

I am request for to validate this alleged debt to clarify everything. I am not aware of this account with you so please send me validation and send it as a response to this complaint for CFPB to see it aside from sending it to my address.
Consumer complaint received 2023-03-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

I have contacted LVNV Funding by mail four times : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I disputed this account because I was unaware that I owed any money to the original company. I was also not contacted by LVNV Funding. The only way I found out about the debt was when I applied for a home loan and they informed me that I had a collection for LVNV Funding. After, I immediately sent a letter to LVNV Funding requesting for verification since I had no knowledge of the account, and had never been contacted regarding the account. 

Since I sent the letters, I have not received any verification, or information, on the account from LVNV Funding. This has prevented my approval for a home loan for awhile now. This is extremely upsetting considering the interest rate increases in the meantime. I would like immediate removal from my credit report of this derogatory item.
Consumer complaint received 2023-05-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-03-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC. (AZ)

In XX/XX/XXXX, I arranged with Exeter Finance to volutarily repossess my vehicle. I signed their form to formalize the repossession process and submitted it to Exeter Finance on XX/XX/XXXX. From that date forward, Exeter representatives called my phone non-stop trying to get me back on my payment plan. I told them I was waiting for their vendor to pick up my vehicle so it could be taken to auction as per their policy. Exeter representatives continued to call me relentlessly until I asked them to remove me from their dialer system until my vehicle had gone through auction. Once I asked them to stop calling my cell phone, they began calling my previous place of employment and have continued calling almost daily or even multiple times per day. They have called third parties not associated with my loan trying to reach me. They have continued with full collection efforts even though they haven't even taken the car to auction to date. They have not acted in any way in good faith to follow their own procedures and are harassing and threatening me with their ongoing, illegitimate collection actions. I have never refused to pay off my loan I am simply waiting for the car to go to auction so they can apply whatever it sells for towards my balance. They continue to charge compounding interest on their already super high interest loan. They apply every payment made in an interest-first manner that never allows the principal amount of the loan to go down. They are predatory and have a collections-first mindset.
Consumer complaint received 2023-05-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

Im writing about the following data that appears on my credit report. Im challenging the validity of this record showing a debt that is recorded in your system under the FCRA, Fair Credit Reporting Act, Section 609. I am asking you to verify this record. If you can not verify this record, I request you remove this data from my account immediately. 

This item on my credit is an error. I have no knowledge of this debt. I did not authorize any person to act on my behalf to undertake this debt. I did not and will not in anyway benefit from this debt. I do not know the persons or parties that originally undertook this debt. 

On XX/XX/2023 a demand letter ( see attachments ) was sent to ARS Account Resolution. This demand letter was seeking verification of the debt that is the subject of this notice. Said letter stated that it appears that debt is not associated with the correct party, some how the information has transmitted in error, or that the debt may have been fraudulent ; therefore, it was requested that all information and / or documents associated with this debt be forwarded as verification of such debt. ( See attachment for actual demand letter. ). As of the date of this letter, ARS Account Resolution has not responded to the XX/XX/2023 demand letter I request your organization investigate this matter. If ARS Account Resolution does not or can not provide such demanded verification it is requested that your bureau remove this entry from the respected credit file. Also, it would be requested that you remove all associated information related to this erroneous entry.
Consumer complaint received 2024-08-30
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. (FL)

I need your assistance to address this incorrect account on my credit report. I am concerned because this has harmed my reputation, and I need your support. Your mishandling of my credit report has devastated me, and your inaccurate reporting has damaged my reputation. Please remove these mistakes so I can live peacefully with my family.
Consumer complaint received 2023-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc. (PA)

I noticed the company, Amerassist, on my consumer credit report showing that I had an alleged account with them. I have never had any business with them, nor have I given any authorization for this company to furnish any information about me or my medical information to any third party. I attempted to contact them in good faith, however, they are still reporting this debt on my consumer report. Furnishing this information to a third party without my consent or approval is a violation of HIPPA laws and violations of the FDCPA and FCRA. This is my last attempt to amicably resolve this issue. If this is not removed in 5 days, I will begin legal action against Amerassist, along with the company whom they are collecting for.
Consumer complaint received 2023-05-01
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. (NC)

I disputed several accounts with Experian in XX/XX/. Upon supposed completion of the investigation XXXX collection accounts were validated/updated erroneously. 
I have never had any contract or agreement with any of these collection agencies XXXX XXXX XXXX, XXXX XXXX nor XXXX. XXXX. I also have not given them permission or authority to report anything on my credit reports and they have not and can not provide such documentation of any agreement or consent because it does not exist. They have provided no evidence whatsoever that this debt it accurate or valid at all yet is has not been removed from my credit report.
Consumer complaint received 2023-03-22
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. (NY)

I contacted Experian multiple occasions. This last one XX/XX/XXXX. Attached is the letter I submitted requesting an accurate investigation with proof of HOW they investigated. This was mailed XX/XX/XXXX. Today XX/XX/XXXX, a week later Im receive notice its verified. Being mail takes up to 3-4 days plus 2 day weekend, there is literally no way they did any investigation. 

This account again WAS NEVER LATE, never a collection or insurance claim. This was PAID in full XX/XX/XXXX. The couch is in my living room! 

Please accurately report or DELETE as it should be!
Consumer complaint received 2023-05-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NE)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA an FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (TX)

XXXX ACCT XXXX. I spoke with XXXX and she said items were mailed to XXXX XXXX. I have never lived there. The company refuses to remove the charges in excess of {$1200.00} from my report. The charge is fraudulent.
Consumer complaint received 2015-12-17
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (DE)

TD Bank Routing # XXXX Acct # XXXX On XXXX/XXXX/2015, I withdrew XXXX debit tranactions through my above mention checking account. 
I first with drew {$5.00}, and then {$20.00} and remained with a postive balance. After the XXXX prior withdrawals I withdrew {$120.00} putting the account in overdraft for about {$88.00}. If TD bank did correct accounting my balance would have been - {$88.00} plus - {$35.00} according to the time stamp of the XXXX XXXX tranactions. Speaking to the customer service manager who refused to give her fullo name Employee # XXXX informed me that when balancing they go by the largest amount first and thats why I was charged withb overdraft XXXX times. I informed XXXX that this is illegal and charging thousands of customers everyday that XXXX bank is being " UNJUSTLY ENRICHED and this is ENCHEATMENT ''. 
Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Delaware XXXX ( h ) XXXX XXXXXXXXXXXX
Consumer complaint received 2016-05-31
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (GA)

We were sent items for an XXXX machine that were incorrect and do not fit the machine. We purchased the XXXX from XXXX and when I called to order a replacement hose, nose pillows, filters and face mask I made sure they were aware of the new machine ( which they sold to us ) and requested only those items. When I received the package from XXXX it not only contained all items for the old machine but also items I did not order. I immediately called and explained the problem and was told the correct items would be sent along with a return postage box for the incorrect items. Later that day I received a telephone message stating it would not be cost effective for XXXX to send the paid postage for the items to be returned. In the meantime they billed by insurance company for all of the wrong items as well as the items we did not order and received {$230.00} from them and while they did send the correct filters and pillows we never received the correct hose. The machine we have now requires a non-heated hose and the one they sent and are billing us for is heated and will not work with our machine. I have explained this repeatedly and also asked that they reimburse our insurance company the amount fraudulently billed and to either send a postage paid box for the items that do not work and credit us for those, Instead it has been in collection for months with harassing calls and letters to us. Our time, costs and emotional and physical torment is adding up and we need this to be handled correctly and we need to be paid for our time, expense and torment.
Consumer complaint received 2015-07-10
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (MN)

For the past year or so, I have had my American Express account set to autopay the full balance from my checking account, through Amex 's bill pay feature. I changed that to pay only the minimum due, as I decided to carry a balance for a time. The XXXX payment was NOT taken from my checking account, and when I called Amex they told me that " the change can take two months to be effective. '' I immediately paid the minimum due, and while on the phone with the representative asked to correct the issue so that my autopay made the minimum payment due by the due date. This change was made by the representative while we were on the phone. 

The change the representative made was wrong, however -- and the XXXX payment took the entire balance, over {$8000.00}, from my checking account. I tried unsuccessfully with my bank to stop the payment, but when that did n't work I talked to Amex on the phone, who said once the payment had cleared they would accept my request for a refund of the excess payment. 

I called the next day, and asked that the excess be returned to me via ACH to my bank account. They agreed and said it would take " a day or two. '' Wednesday, five days after the initial payment was incorrectly taken, I got a message from Amex that they were unable to electronically process the payment, and were sending a check instead. Via electronic chat, a representative assured me that the check was sent " within 24 hours of my request, '' that they could cancel the check and issue ACH, but that it would probably be quicker to wait for the check. 

Friday, now XXXX days since issue began ; I have still not received the check and the online representatives could offer no better explanation than " the check is in the mail. '' My account shows that the balance has been adjusted to my account as of XX/XX/XXXX, but still no indication that the refund has taken place. Clearly anyone who said " it 's on its way '' prior to Wednesday was being untruthful. No responses to my requests for check number or postmark date. Supervisor " XXXX '' offered Wednesday to " personally follow up via phone '' no later than Thursday -- to no avail. 

I believe American Express has deliberately and systematically taken steps to delay their return of my funds to use my money in the " float. '' As of XX/XX/XXXX I am now incurring interest on money they have yet to return to me.
Consumer complaint received 2016-08-23
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (CO)

Midland Funding Inc called me in XXXX 2016 regarding a supposed debt they purchased from XXXX Back/ XXXX XXXX. I requested that Midland Funding Validate the debt in this initial call. Agent stated that they do not have to validate anything and that I had an obligation to pay. I sited the federal and state statue to agent at which point he stated that they do not take validation requests and that I must submit in writing. Agent refused to give ma an address where I could submit so I located it on line and on XXXX XXXX, 2016 I sent a written request to MCM. 

On XXXX XXXX 2016 I was served a summons to either respond or appear in a complaint regarding this attempted collection. In colorado I summons can not be served prior to an action being filed with the clerk. I called the clerk of the XXXX XXXX Court and was told that nom action had been started. 

Summons have XXXX date on it and does not have a court seal or case number. 

Called XXXX XXXX Court on XXXX : advised that there is not case filed with the court Midland Funding Inc. XXXX XXXX XXXX XXXX That if a case was filed, before a summons would have been stamped with a case number and a court seal. 

Called the number for the Attorney on the account and was rounter to a dump all number for Midland. 

Was given a different number XXXX. Spoke to XXXX XXXX Advised about the information that I previously filed and that there was never a response. Advised that I would fax and mail again Advised that the tactics of serving someone with a summons on a case that has not been filed is an intimidation tactic and violates XXXX and FDCPA XXXX Gave me Fax XXXX XXXX advised that I should talk with a paralegal or attorney for Midland and transferred my in to a bling que. 

Spoke to XXXX XXXX Ex : XXXX As I was discussing this action with him he attempted to say that XXXX is a serve first state. Advised that I spoke to the court clerk in XXXX XXXX and was assured that service is only legal after an action is filed. 

Advised on history and Midlands Failure to provide validation. Advised that filing an action in this case is illegal and that serving a summons is an act of intimidation and violates Federal and State Law. 

I advised that I would be happy to email the previously filed validation request and was either place on hold, muted or was disconnected. 

Called back : Spoke to a rep names XXXX and asked him to transfer me to XXXX XXXX 

XXXX provided me with his email address and stated that he was putting together a validation letter. 

I received the so-called validation but there is nothing in there that states my rights as is required.
Consumer complaint received 2016-09-01
Product: Credit card — 
Issue: Payoff process — 
Company: AMERICAN EXPRESS COMPANY (IL)

I have an American Express Business credit card. On XXXX XXXX, 2016, I called American Express and inquired if I used the card for a transaction and would it qualify for Pay over time option. I was told yes. On XXXX XXXX, 2016 I received an email saying my account may be suspended. I called American Express and after being transferred several times I was told that until I pay the balance down some my account will be suspended. I was also told that the charge I made on XXXX/XXXX/16 will be on the Pay over Time on my Billing Statement. On XXXX XXXX, 2016 I received my Electronic Billing Statement which stated I need to pay the total amount of the charge from XXXX/XXXX/16 ( {$15000.00} ). I called Customer Service once again I was transferred several times until the last person was suspose to be in the credit department. She suggested that I pay the total amount by the due date. I advised her that I do not have the money to pay that balance, that 's why I called before I used the called for the tranaction for approval. She told me that American Express can revoke the Pay Over Time Privilege anytime they wanted to even after you were told it qualified. Again explaining I do not have that total amount what other options do I have because I do not want a negative credit rating on credit report. She told me the best they could do is for me to pay {$1300.00} that day XXXX/XXXX/16 and pay {$450.00} with a XXXX interest rate for 36 months. I explained I did not have {$1300.00} that day. She told me if you do n't except these terms today it would change. American Express should tell some XXXX they are approved to make a transaction and be allowed to Pay Over Time if two weeks later they change their mind and say " No WE want You to Pay the Total Amount Now ''.
Consumer complaint received 2015-08-02
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (WI)

I opened a Macy 's American Express Card XX/XX/XXXX. This automatically opened a Macy 's store credit card, as well. I put several purchases on these credit lines. Although I am never late in paying any of my bills, whenever I received the monthly statements from Macy 's the charges were always overdue. In other words, the due date of the payments was before the monthly statement was issued to me. Thus, the charges were always overdue by the time I received the statements. Because of this, I tried closing my Macy 's accounts. I spoke with numerous customer service representatives and closed my accounts multiple times over a 6 month period. Each time I did so, I would still get another monthly statement saying that my accounts were still open. Finally, I spoke with a manager who " confirmed '' that my accounts were closed. I did not receive another monthly statement, so I assumed that my accounts were finally closed. This was in XX/XX/XXXX-XX/XX/XXXX. Now, here in XX/XX/XXXX I got an alert from my bank that my credit score had changed. Upon examining my credit report, both the Macy 's American Express Card and Macy 's store credit card were still open! I have tried many, many times to get Macy 's to close my accounts but they still have not done so. This is after fleecing me on late fees for charges that were never truly overdue. I am asking the Consumer Financial Protection Bureau to help me.
Consumer complaint received 2015-12-03
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (CO)

In XXXX or XXXX of 2015 Macy 's changed their credit card from a XXXX to an XXXX card. At the time, we had the XXXX card set up on our Bill Pay system. As our use of this card is occasional and only used at Macy 's, we depended on the Bill Pay process and paid when notified a bill was due. When the account changed to XXXX, apparently the bill pay information did not transfer. This would have been OK, assuming that they notified us via email or with a paper statement that an amount was due. Last night, our card was declined at Macy 's and we were informed that we were overdue and owed {$480.00} dollars, including late fees and finance charges of {$120.00}! When we called, we were offered a relief of {$38.00} dollars, which we declined and disputed the fee. When asked how the billing statement was delivered, the agent said via email. When asked what email was used, the agent could not cite the email. Effectively, we were not billed or notified that we were behind payments in any way. If we had not attempted to use the card, the charges would have continued to accrue. We immediately paid the amount due, but their is no way to dispute the late fees and finance charges. It appears to us that the transfer of data and other information during the transition from XXXX to XXXX was improperly handled.
Consumer complaint received 2015-04-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Receivable Management Services LLC (OH)

My XXXX account indicated that there is a collection record reported to XXXX credit bureau by : THE RECEIVABLE MGMT XXXX XXXX XXXX, XXXX XXXX XXXXPlaced for collection : XX/XX/2015XXXX : $ 84Original Creditor : XXXX XXXX XXXX have been living in XXXX XXXX for the past three years, I do n't live in XXXX!!! my " trash service '' is included in my current rent where i currently reside. 
This is simply not mine!!!