davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (GA)

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.

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 informationisinaccurate.
Consumer complaint received 2024-09-25
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Glass Mountain Capital, LLC (AZ)

They continually called asking for me but they would not verify what they were calling about or what company/buisness they were with, they would only repeat their name and say they couldn't give out that info until they verified that it was me. Which obviously I refused as it seemed very scam like. After months of receiving the call I gave the number a call back and got the company ( Glass Mountain LLC ) which is a debt collector trying to obtain a medical debt. I sent out a Debt Validation Letter with a tracking number and signature confirmation on the XXXX XXXX XXXXXXXX XXXX the signed/received it on the XXXXXXXX XXXX XXXXXXXX, and just called again today on the XXXXXXXX XXXX XXXX with no Letter or ANY information being sent back. So they are clearly ignoring the letter and regulations.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Verified First, LLC (AK)

I had employment background check done and this came up on report XXXX XXXX XXXX XXXX First : XXXX XXXX XXXX Last : XXXX I have never been there, lived or worked there
Consumer complaint received 2024-09-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc. (FL)

Hello, I would like to make a dispute of The XXXX $ That XXXX  its charging me thru you guys. I only had the service for XXXX weeks because the give me a Free trial. Because i didnt like it I returned the equiment after all. they told me that everything was fine i didnt needed to pay anything else. After acople of months they took XXXX $ dollar out of my XXXX because I had auto pay. I went to a verison store and they told me it was a mistake because in the account was showing that I Did not return the equiment but i was fixed. Then they took the money again. I went to the store XXXX more time and they " Fixed " again. 

Now im in collection for something that I dont even have or owe. 

Can somebody help me with this?
Consumer complaint received 2024-09-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (AL)

I posted a payment on XX/XX/year>, in advance of the XX/XX/year> due date. Bridgecrest ( the lender ) then advanced my due date. They still conducted the XX/XX/year> auto-draft. They are refusing a refund without a bank statement, which won't be generated for another month. This is causing me a financial hardship. I also believe it's a violation of CFPB payment policies, as a reasonable consumer would expect the regular payment not to draft if a payment had already been made and the due date advanced.
Consumer complaint received 2024-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (NC)

I was called multiple times by Aldous and Associates regarding a debt I do not owe. I have disputed the debt via telephone and via XXXX letters. I have requested a long list of information they are required to provide under the FCRA. They only provided parts of that information. Despite multiple requests, they have not provided me with their debt collection license number or proof that they are license to collect debts in the state of North Carolina. They are legally obligated to provide this and have not. 

Further, they are in possession of proof that I do NOT owe the alleged debt but have not replied to my most recent dispute letter. It has been over XXXX  days.
Consumer complaint received 2024-09-25
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC. (NV)

Anoter debit correction company harassed me. It wasn't my bills and they stolen personal information. I never live in Texas also I don't have any family and friends in Texas. I never signed those company. I'm tired of from XXXXXXXX XXXX XXXX XXXX and debit correction. I have a police report. I would like to request of stop harassing and never contact me.
Consumer complaint received 2024-09-24
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Szuba & Associates, PLLC (MI)

I received a civil judgment for {$6200.00} from Szuba & Associates claiming that they were representing XXXX XXXX XXXX XXXX XXXX. XXXX XXXX charged off this debt as I was the co-signer. This debt collector has purchased this debt and has gone into the 36 district court and received a judgment and has forged my signature. I never signed a contract with this debt collector nor do they have any record of me making payments to them.
Consumer complaint received 2024-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (FL)

I was a XXXX XXXX XXXX XXXX  for many years, I attempted to cancel my membership and they did not allow me to during the pandemic because I had to go int oa location, eventually they changed policy to allow cancellation via email, I sent the email and continued to be charged, this was very difficult for me to deal with over the pandemic and I just let it go, after several attempts to get them to stop billing me I decided my only recourse was to just change banks, I closed my XXXX XXXX account and no longer use it. they attempt for months to get me to pay membership that I do not owe, and eventually we came to an understanding that I don't owe them money for membership but they wanted to collect a cancelation fee, I refused as I had many many months of membership paid to them that I did not use or want, I honestly wanted that money refunded. I decided to choose my battles and just accept that this is over. Now a debt collector is trying to collect a debt of {$120.00} from me. I have no idea how they figure I owe this. I absolutely refuse to give these thieves any more of money.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am filing this complaint to address an issue with late payments on my credit report. After reviewing my records, I found the presence of these late payments. Despite sending letters about this matter over 30 days ago, I have not received a response, and the creditor has failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: P&B Capital Group, LLC (GA)

PBCAPIGRP ( Original Creditor : XXXX XXXX XXXX ) XXXX {$7200.00} which appears on my credit report. I believe this information to be inaccurate and potentially fraudulent, as I do not have any contractual relationship with P & B CAPITAL GROUP LLC. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information that is incomplete or inaccurate on my credit report. 

To date, P & B CAPITAL GROUP LLC has failed to provide me with the original contract bearing my wet signature or proof of identity verification. Without these documents, they have not substantiated their claim that this debt belongs to me.
Consumer complaint received 2024-09-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (NJ)

I'm currently unable to open new bank accounts because of the negative information that's being reported to my Chex system report and, y credit reports ( XXXX, XXXX, XXXX XXXX I have paid the full balance off and settle all debt that was owed to all institutions please remove these 2 negative accounts off both credit and Chex system report down below immediately Visions XXXX XXXX XXXX I will be attaching the letters of prove of balance being paid in full
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AL)

Account Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX XX/XX/XXXX
Consumer complaint received 2024-09-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CDI Affiliated Services, Inc. (ID)

I have requested from CDI AFFILIATED SERVI a verification of debt letter after seeing the collection on my credit report on XXXX and XXXX. I would also like to lodge a complaint that CDI AFFILIATED XXXX is breaking the law by not accurately reporting to all credit agency 's as XXXX isn't showing a collection and has no record for the collection of {$1200.00} for a medical bill that was paid for by insurance. I have not received any debt validation notice nor a letter of validation in the mail nor have I gotten a single phone call or person to notify me that I have any collection from CDI AFFILIATED SERVI. That is breaking 12 C.F.R. 1006.30 ( A ) AND ( A ) ( 1 )
Consumer complaint received 2024-09-24
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: Self Financial Inc. (TX)

I am writing to formally request the Consumer Financial Protection Bureaus assistance in removing inaccurate information from my credit report. Despite my repeated efforts to dispute the information with the credit bureaus, and creditors the inaccurate data has not been corrected. 
I was on vacation when my wallet was stolen and somebody took my Information and got accounts in my name. I would like all agencies to delete these false claims because I can note get approved for loan with my credit being so poor. Please delete all negative accounts I have listed on the FTC report. FTC Report XXXX XXXXXXXX. 
This continued failure to address my concerns is a violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The following inaccurate information is being reported and must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and address XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX. I have contacted XXXX, XXXX, And XXXX. Under the FCRA, the credit bureaus are legally required to ensure that the information on my credit report is accurate and must remove or correct any disputed items after a thorough investigation within 30 days. Additionally, the FDCPA prohibits debt collectors from furnishing inaccurate or misleading information, and by failing to comply, they are violating my rights. I demand that the CFPB : XXXX. Investigate and intervene in this matter to ensure that the credit bureaus promptly remove the erroneous information from my credit report. XXXX. Issue a cease and desist order to prevent further reporting of these inaccuracies. 
XXXX. Ensure full compliance with federal law and that all future credit reporting is accurate and fair. If these issues are not resolved in a timely manner, I will consider pursuing further legal action, including complaints to the Texas Attorney Generals Office and potential legal remedies for damages resulting from non-compliance with the FCRA and FDCPA. Enclosed are copies of previous correspondence with the credit bureaus, as well as supporting documentation ( e.g., payment records, statements ) to substantiate my claim. I request written confirmation that the inaccurate information has been removed from my credit report within 30 days. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SANTANDER HOLDINGS USA, INC. (NV)

I had a auto loan with Chrysler Capital. I did not make the XXXX payment because I traded the vehicle in at XXXX XXXX in XXXX XXXX. I traded the vehicle over XXXX XXXX weekend on XX/XX/year>. I have documentation showing that I gave XXXX XXXX authorization to assume responsibility of the payoff at the time of purchase for my new vehicle. On XX/XX/year> Chrysler Capital reported my payment 30 days late. I tried to call and explain the situation and they requested I send them paperwork showing I traded it in. I contacted XXXX XXXX and have the documents. I tried calling Chrysler Capital, but after hours on the phone try to speak to a representative, I have not been able to do so. I then tried to handle the issue via chat on while in my account page of Chrysler Capital Online. I was told they can not help in the chat feature after speaking with XXXX. I explained my issue of not getting through to someone and asked if she could please have someone contact me. After asking, I was told " she can not do that '' and she closed the chat. This is an issue that has impacted me significantly. I am in the middle of opening a business and this incorrect late payment being reported to the credit bureaus has dropped my score over XXXX points.
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, I called Chase Bank in order to report an unauthorized charge of XXXX, XXXX withdrawals of XXXX and XXXX withdrawals of XXXX from the same ATM each time from my checking account/ debit card on the day before, XX/XX/XXXX and XX/XX/XXXX. I filed a claim for fraud, as I was scammed and they informed me how scammers stole my card information including my PIN and I was reassured that I would be credited the amounts lost by the XXXX of XXXX. 

Yesterday, XX/XX/XXXX, I received a notice that my claim was denied and I was charged an overdraft fee of XXXX for being over the overdraft amount, over XXXX ( due to the unauthorized charges and withdrawals ), contrary to what they told me that if it was due to fraud, the amounts would be given back to me. 

Today, around XXXX XXXX XXXX, I called Chase Fraud department and was told I only told them about the withdrawals even though I know, for a fact, I informed them of all of the amounts lost to me, so including the XXXX unauthorized transaction. 

The company canceled my card on XX/XX/XXXX and issued a new card to be mailed to me after I reported the then, pending transaction and unauthorized withdrawals. They informed me that I was scammed and told me it was likely that the scammers used a digital wallet in order to withdraw and to pay for the unauthorized transaction from the XXXX XXXX ( XXXX ). I am owed XXXX + XXXX + XXXX XXXX which forms a total of XXXX to my checking account. 

Thank you, I hope I gave enough detail.
Consumer complaint received 2024-08-28
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. (SC)

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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : CREDIT MGMT Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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.
Consumer complaint received 2024-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (AZ)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. 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 2024-08-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA XXXX XXXX & SECTION XXXX THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to request an investigation of the following information that appears on my XXXX XXXX XXXX  consumer report : Account Number : XXXX Wells Fargo I'm the victim of identity theft and I don't recognize one or more of the accounts on my report.

Thank you for your assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (TN)

I was switched from XXXX to Ed financial loan servicer and I have been paying on time for more than three months now. I have even paid off one of the two loans already but my new servicer is not reporting anything to the credit bureaus. My credit report still has XXXX as my loan servicer and a the wrong balance on there. I've called the credit bureau and they stated that Ed financial has not reported anything. So I called ed financial services and they told me it would be 30 days, however it's been longer than that now and nothing still has changed. My balance reported say over {$15000.00} but I only owe a little over {$11000.00}. I'm trying to clean up my credit report and this is not helping.