davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (FL)

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX COMMONWEALTH FINANCIAL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) afte
r the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A )  The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious COMMONWEALTH FINANCIAL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX UNIT XXXX, XXXX, FL XXXX
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

XXXX the amount of XXXX, I called the bureaus and sent the letter with the information. I never received a letter or a callback. 
XXXX the amount of XXXX, I called the bureaus and sent the letter with the information. I never received a letter or a callback. 
XXXX the amount of XXXX, I called the bureaus and sent the letter with the information. I never received a letter or a callback. 
XXXX the amount of XXXX, I called the bureaus and sent the letter with the information. I never received a letter or a callback. 
XXXX the amount of XXXX, I called the bureaus and sent the letter with the information. I never received a letter or a callback. 
XXXX the amount of XXXX, I called the bureaus and sent the letter with the information. I never received a letter or a callback. 
XXXX the amount of XXXX, I called the bureaus and sent the letter with the information. I never received a letter or a callback. 
XXXX the amount of XXXX, I called the bureaus and sent the letter with the information. I never received a letter or a callback. 
XXXX the amount of XXXX, I called the bureaus and sent the letter with the information. I never received a letter or a callback.
Consumer complaint received 2024-07-25
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: Experian Information Solutions Inc. (NJ)

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 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (AZ)

On XX/XX/XXXX, we had two loan disbursements. One in the amount of {$8600.00} to be applied towards our Citi Costco XXXX XXXX ending in XXXX. We had an additional disbursement for {$12000.00} that was supposed to pay-off another debt that inadvertently went to the same credit card. This was an error on behalf of the lender and not intended for the Citi card. I immediately contacted Citi Bank to let them know what had happened and that those funds needed to be refunded back to us. I stressed the fact that these funds were needed as soon as possible to ensure we did not have to continue to pay accrued interest. I was told that the request would be submitted, and they would do what they could to expedite the refund. 
On XX/XX/XXXX, it showed that a refund of {$12000.00} was issued in the Citi app. Additionally. on XX/XX/XXXX, we received a letter indicating the refund check was mailed and would be received in 10-14 business days. After the allotted time and no check, I contacted Citi again, I was told that I needed to wait a bit longer due to a potential delay in mail caused by the holiday. After waiting another 5 days, I attempted to call Citi Bank again. This time, I was told that the issue would be escalated, and I would receive a call from someone to assist. That never happened. 
Yesterday, XX/XX/XXXX, I called Citi Bank again. I explained again about the missing check and was told this time that they just re-approved a new check, and I would have to wait for it to arrive regular mail. I indicated that Citi have been in possession of my funds for well over 30-days and asked if the check could be expediated, I was told no. I asked if the funds could be deposited into my Citi account and I was told again, no. 
This experience has been very unsettling, and I am very disappointed in the level of service provided. I would not recommend Citi Bank and have every intention of discontinuing my relationship once this matter is settled and I am in receipt of my funds totaling {$12000.00}. 

Please feel free to contact me directly with any questions, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2024-07-23
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

Columbia took the receivable of XXXX XXXX from XXXX  with out adjusting to any city ordinance or city rent receivables. They did not adjust the accounts just reported to the credit agencies.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

I reviewed my consumer reports and noticed that I have 2 late payments on an account ( XXXX  XXXX ) that i was NEVER late for. 
According to the consumer law 15 USC 1666 ( B ) a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.

15 USC 1681 SECTION 604 ( a ) section 2 states a credit reporting agency can not furnish an account without my written instructions. 

The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for " XXXX XXXX ''. I have included screenshot inside this complaint in on dates of XX/XX/year> and XX/XX/year> ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thank you very much! 
Please see screenshot attached
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX  Inquiry from XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-10-01
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (PA)

On XX/XX/scrub>XXXX XXXX XXXX  i received confirmation from the DISPUTE RESOLUTION TEAM for a Vanilla gift card that my dispute packet was received. i submitted the dispute because of an unauthorized transaction on the card. 

on XX/XX/XXXX they emailed me : This is InComm contacting you about your gift card issue, XXXX. We have reviewed your claim and we require documents to complete your request. Please provide your documents at your earliest convenience. The documents we are requesting are as follows : Front of the gift card and a copy of your receipt. Please follow this format on the subject line of your email : First Name Last Name Case ( Insert Case Number ). We are sorry for the inconvenience. This is a do not reply email box. If you have more questions or concerns, please contact us at our customer service department, XXXX. If you are a XXXX XXXX XXXX customer, please contact XXXX. 

and i submitted the appropriate documents. on XX/XX/XXXX, i was sent : XXXX XXXX XXXX, This is InComm contacting you about your gift card ( XXXX ) issue, XXXX. Your card is being replaced via FedEx and will arrive in XXXX business days. We are sorry for the inconvenience. This is a do not reply email box. If you have more questions or concerns please contact us at our customer service department, XXXX. 

Activation Issue Fax Number : XXXX Activation Issue Email Address : XXXX Fraud Department Incomm Payments i have still not received a replacement card, and have reached out via phone, and email multiple times without any response.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ENCORE CAPITAL GROUP INC. (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This morning, I was alarmed to see unauthorized inquiries on my credit report, and I dont understand how they got there. After checking my report like I normally do, I noticed these unexpected issues. I even refreshed my browser, thinking it might be a mistake, but they didnt go away. Im very frustrated and ask that my documents be thoroughly reviewed to prevent this from happening again.
Consumer complaint received 2024-09-11
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. (PA)

I was completely caught off guard when I noticed incorrect accounts listed on my credit report tonight. Ive been diligent in monitoring it, but this time, there were unexpected issues. I tried refreshing the browser, thinking it was a technical error, but the inaccuracies were still there. Im asking for a detailed review of the documents I provided so I dont have to face this worry anymore.
Consumer complaint received 2017-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have submitted several written requests to Equifax Credit Reporting agency to verify and validate incorrect information in my credit report. I have also asked them to supply the signed documents as proof that the creditor has the right to report this fraudulent information on my report. They have consistently ignored my request for proof and stated that the items were " verified ''. How were they verified when there was no proof sent? By which measure was this account verified if there are no signed documents to show? This Credit Reporting Agency is willfully ignoring the FCRA and my request for proof of valid verification on accounts on my credit report. They have also insulted me as calling my requests frivolous, and denying my repeated request for verification. I am disgusted with there business practice and willful disobedience of Federal Law.
Consumer complaint received 2024-09-11
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. (FL)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 


XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Levy & Associates, LLC (VA)

I need my statements faxed or emailed to me and at XXXX nobody could help me and just transferred me to some random voicemail. At XXXX, after calling for 2 days straight, nobody ever picks up there.
Consumer complaint received 2017-08-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners Holding, LLC (ME)

On XXXX XXXX, XXXX, my family and I were stopped in a rest area in Connecticut when we were on our way home to Maine when I was accidentally stuck with an epi-pen. An ambulance transported me to a local hospital where I was examined and released. Later, I received a bill from a California company ( XXXX XXXX XXXX ) for the ambulance ride which was close to a XXXX dollars. I hesitated to pay the bill. I was contacted by a credit collection agency. They settled the bill for a smaller amount, which I paid, believing the matter was closed. Subsequently, I heard from another debt collection agency, which may have been XXXX XXXX XXXX XXXX but I do n't recall. I contacted them via telephone and told the agent that I had already paid the debt through another debt collection agency, therefore the information regarding my alleged debt had likely been fraudulently proffered to them, and I heard no more about it. This XXXX was when I received written communication from XXXX XXXX XXXX XXXX, representing Pendrick Capital Partners LLC who evidently are located in Virginia but also have an office address in XXXX XXXX, New York, which was on the back of their payment demand. The BBB has collected numerous complaints about them. I have listed some of their addresses below, which I found on the internet. Pendrick Capital Partners LLC 7 years in business XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX And : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia ( XXXX ) XXXX XXXX XXXX XXXX XXXX is asking me to pay them {$880.00} which is likely the original bill for the ambulance. They have sent me XXXX paper debt collection letters, XXXX in XXXX and the most recent this XXXX. I have been combing over my bank statements to find the original debit of payment which I likely made some time between XXXX and XXXX, but have not found it yet. It was a debit/credit card payment which I made over the phone, which I suspected was with someone beyond the XXXX XXXX due to his accent. Thank you for your assistance and support in this matter. Yours truly, XXXX XXXX
Consumer complaint received 2024-07-25
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: Experian Information Solutions Inc. (MD)

I am writing to express my concern regarding the disputed accounts on my credit report. Despite multiple attempts to address these inaccuracies, I have not received any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay.

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated.

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC, XXXX XXXXXX/XX/year> Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MI XXXX Re : Account Number : XXXX Debt Amount : XXXX Dear Midland Credit Management I am writing in response to your communication dated XX/XX/year> regarding a debt you claim I owe. I am requesting that you provide full validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. Verification of the debt, including the amount owed and the original creditors name.

2. A copy of any contract or agreement showing that I am legally obligated to pay this debt.

3. Proof that you are legally entitled to collect this debt.

4. Documentation of the complete payment history, including how you calculated what you say I owe.

5. The name and address of the original creditor, along with any account number associated with this debt.

According to the FDCPA, you must stop all collection activity until you provide sufficient evidence that validates this debt. Any further attempts to collect without such validation will be considered a violation of the FDCPA.

Please note that this letter is not a refusal to pay but a request for information. Once you provide the requested documents, I will review them and respond accordingly.

I also request that you refrain from contacting me via telephone. All future communications should be in writing to the address listed above. 

Sincerely, XXXX XXXX