davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
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: Accscient, LLC (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive 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 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Mobiloans, LLC (FL)

Cease and Desist To Whom It May Concern, I am writing to formally request that your agency cease and desist all further communication with me regarding the account referenced below.

Additionally, I request that you remove this collection account from my credit report in accordance with several provisions of federal credit laws. The account appears to be inaccurate and does not comply with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Inaccuracy and Completeness ( FCRA Section 611 ) : The information being reported is inaccurate and/or incomplete. Under Section 611 of the FCRA, I am entitled to a complete and accurate credit report. Please review and correct this information to ensure compliance.

Verification of Debt ( FDCPA Section 809 ) : ** I request that you provide validation of this debt as required by Section 809 of the FDCPA. If you can not provide proper validation, you are obligated to cease reporting this debt to the credit bureaus.

Inaccurate Reporting ( FCRA Section 623 ) : the debt is found to be inaccurately reported, Section 623 of the FCRA requires you to correct or delete the information from my credit report.

Please confirm receipt of this letter and that you have ceased all collection activities and removed the account from my credit report. If you do not comply with these requests, I will be forced to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-01
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. (GA)

there are items on my credit report that are not mine and they need to be removed from my credit report XXXX XXXX XXXX NUMBER XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX  XXXX THESE ACCOUNTS ARE FRAUD AND THEY SHOULD NOT BE ON MY CREDIT REPORT. I CONTACT THEM CREDITORS AND THE COMPANIES
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Protocol Recovery Service, Inc. (MO)

XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) 15 U.S. Code 6802 that you, XXXX XXXX XXXX XXXX Total Balance Due {$1100.00} XXXX XXXX & XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information
Consumer complaint received 2024-08-20
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Auto Buyers Credit LLC (FL)

On XX/XX/year> I made my first attempt to collect my form 1099C ( Certification of indebtedness ) and several managers retrieved my call only to humiliate me about requesting my 1099C form. The first manager told me I know what youre doing, you trying not to pay us. But you the one got your car repossessed because you couldnt afford to make your payments. So you need to pay us, we dont send out XXXX forms, we only send out letters. When I told her the call was being recorded she said I never gave you permission to record me. And I stated I never gave you permission to sell a car without my consent. She said well you aint getting it pay your debt and hung up in my face. I called back only to get another manager to retrieve the call to tell me I need to seek mental help if I think it goes like that I owe them this debt and I need to pay them. I again stated. 15 USC 6801-6805, 5 USC 552 ( A ), 16CFR 444.1, 15 USC 1681, 15 USC1692 ( E ) ( 7 ), CFR 313.7, CFR 313.7 ( F ). Per consumer laws A charge off is considered a certificate of indebtedness which is income and income can not be reported on ones credit report. It is illegal to report transactions history. Therefore this account needs to be updated and deleted. I would like to opt out of this Data furnishing reporting on my credit report. I would like to sue this company for the humiliation, discrimination, verbal abuse about ones mental health and I am a mental health patient so this statement alone has caused me a great deal of pain. Please see supported uploads for detail. Also, how could I owe you for an account that is charged off never late you asked for a tax write off with the IRS as a loss for debt forgiveness therefore I am entitled to my 1099C because according to your reporting the account was charged off and I was never late.
Consumer complaint received 2024-08-19
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: U DRIVE ACCEPTANCE CORPORATION (NM)

This account has been closed XXXX after they recovered and sold the vehicle off. A check was mailed to me settling the debt for more than I owed. I've submitted multiple complaints about this company and I am currently seeing that they have attempted to reopen my account again! This is closed and done for!
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Williams, Rush & Associates, LLC (TX)

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 XXXX parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA XXXX entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.
Consumer complaint received 2024-08-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: DApps Platform, Inc. ()

Dear all, For the first time, I tried transferring XXXX XXXX  from the Trust Wallet application to the XXXX XXXX XXXX, and I don't know what went wrong, but the funds were returned to the address from which I bought the funds using Trust Wallet. I have tried contacting both XXXX and Trust Wallet multiple times, but all efforts have been unsuccessful. 
Could you please help me discover what went wrong and find the contact information of the person whose address received my coins so that I can kindly ask them to return coins back to my account? 

The transaction hash number is : XXXX I thank you so much for every effort that you put in trying to help me with my problem. 
Have a best day! 

Best regards, XXXX
Consumer complaint received 2024-08-18
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: SmartCredit LLC (SC)

On XX/XX/year>, I initiated a request via the SmartCreditXXXX website, an online credit monitoring platform, for one of their products called a smart action. This particular smart action was for them to inquire about an interest rate reduction with a credit card holder. It was later discovered that they partnered with a third party company that may or may not provide services for debt management. Because of such, the creditor has locked my account until confirmation that I am not in business with them. There have been numerous attempts to resolve via this company and their 3rd party with no success as of XX/XX/year>.
Consumer complaint received 2024-07-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PDQ Services, Inc. (GA)

I'm really disappointed because i can't believe that companies can just put accounts on my credit report that do not belong to me. I am really overwhelmed because these account are not mine. I have a busy life and I really haven't had the chance to view my credit report like should but when I am getting declined for credit because someone else 's accounts are reporting on my credit report. Not to mention, I have asked these company 's for over a year to send my proof that the accounts that they are reporting belongs to me and I still haven't receive this evidence. I am reaching out to you so that you can assist me. These company 's are taking advantage of people like me. I have asked for proof and nothing has been done. How can these companies not respond to my request and this be legal. I would like these accounts removed from my credit asap. 

Accounts that are not mine : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX, XXXX Incorrect Address Information : XXXX XXXX XXXX XXXX Ct XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-19
Product: Vehicle loan or lease — Loan
Issue: Problem with fraud alerts or security freezes — 
Company: COOLEY ENTERPRISES INC (TX)

On r about XX/XX/year> I went to clay cooley XXXX to purchase a vehicle while waiting I noticed my credit had been used but XXXX XXXX different financing institutions r leanders without my consent an I have a active fraud alert on all three credit reporting agencies.. with pacific instructions that I should be called if any credit is to extended too me.. an I never received one call so there inquiry was unauthorized an each other financial lender had no authority to run my credit .. they violated my consumer rights an the fair credit reporting act .. an I would like to b compensated for each inquiry the some of XXXX $ an would like all hard inquiries removed..
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CrediautoUSA Financial Company LLC (NJ)

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX Inquired on XX/XX/XXXX Credit card with
Consumer complaint received 2024-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Webcollex, LLC (FL)

Subject : Request for Debt Validation under the FDCPA and the Florida Consumer Collection Practices Act CKS FINANCIAL - XXXX Dear CKS FINANCIAL, I am contacting you regarding the alleged debt mentioned above. This is a formal notice under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g to request validation of this debt.

Pursuant to my rights under the FDCPA, I am requesting the following : Debt Collection License Information : I would like more information about your company before discussing the debt with you. Does your company have a debt collection license from my state? If not, please indicate why. If so, please provide the license date, the name listed on the license, the license number, and the name, address, and phone number of the state agency that issues the license. 

Debt Validation : Detailed evidence of the existence of the debt, including the original signed contract supporting the payment obligation, complete account history, and any documents showing that you are legally authorized to collect this debt. 

O

riginal Creditor 's Name and Address : Please provide the name and address of the original creditor, as well as any agreement or contract signed by me, confirming my legal responsibility for the debt.

Itemization of Charges : A detailed description of the amount owed, including any interest, additional fees, or costs that have been added to the original debt.

Proof of Authority to Collect : Documentation showing that you have the authority to collect on behalf of the original creditor and that the debt has not been settled, sold, or transferred to another creditor.

Pursuant to Section 1692g ( b ) of Title 15 of the United States Code, until the debt is validated, no further collection action will be taken, including negative reporting to the credit bureaus. 

Finally, I also request that any future communication regarding this matter be in writing and sent to my address. Pursuant to law, I expect your response within 30 days of receipt of this letter.
Consumer complaint received 2024-08-16
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: GMA Investments, LLC (MO)

I did NOT take out a payday loan from 2019. This company repeatedly calls me, has ALL of my personal information and is absolutely rude to me and harasses me on the phone. The man I've spoken to twice now has been condescending and mean to me and verbally attacks me. This is not even a loan I took out. They call MULTIPLE times a week. And I've repeatedly told them I did not take out a payday loan and someone must have used my information. They continue to harass me.
Consumer complaint received 2024-06-21
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. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-08-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Quick Debt Services LLC (IN)

I received a phone call attempting to collect on a XXXX XXXX loan for an amount of over {$9000.00}. The caller threatened to repossess my car ( a vehicle which was paid off and subsequently sold over XXXX years ago ) and/or other possessions, and take other legal action if I didn't respond within XXXX hours. 

I did call back just to see what would happen, and the person repeated the same line. I told him I'd be here waiting for someone to show up at my door and serve me, but I wouldn't wait long because this is XXXX and a scam. I've never taken out any XXXX XXXX. I told them never to call my number again. 

The main phone number was XXXX, and they called back using a local number, XXXX ( which comes back to a town just outside of XXXX called XXXX, XXXX ). The representative who spoke to me ( they gave no business name ) was named XXXX XXXX.
Consumer complaint received 2024-08-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Dear TransUnion, I hope this letter finds you well. I am writing to formally dispute several credit inquiries listed on my credit report, which I believe were either unauthorized or incorrect. Please review the following inquiries that appeared on my credit report, and I request their removal as they are adversely affecting my credit profile : XXXX XXXX  Type XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX Type : XXXX XXXX XXXX Date : XX/XX/year>XXXX XXXX Type : XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXXXXXX Type : XXXX XXXX XXXX  Date : XX/XX/year> I have reviewed my records and found that I did not authorize these inquiries. According to the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. 

Please conduct a thorough investigation of these inquiries and remove them from my credit report if they are found to be inaccurate. Enclosed, you will find a copy of my credit report highlighting the disputed inquiries for your reference. 

I kindly request that you update me on the outcome of your investigation. You may contact me at the address or phone number listed above if you require any additional information or documentation to assist in this process. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Williams, Rush & Associates, LLC (TX)

To whom it may concern. Accounts XXXX XXXXXXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$690.00} William Rush associate {$2900.00} I have received a copy of my credit report. To my surprise you are reporting this accounts incorrectly. This collection accounts are reporting not only open but also show past due balances. According to FCRA I have the right to an accurate credit report. Please remove these accounts immediately from my credit report. Please provide me a copy of my new credit report reflecting these accounts removed upon completion. Sincerely XXXX XXXX
Consumer complaint received 2024-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rocky Mountain Capital Management (OH)

Spoke with XXXX XXXX Compliance Officer and asked her to send me over payment history, first date of a copy of delinquency and open date, forwhich she stated she did not have ALL the information she typed out this unverified documents which isn't from the original creditors, it was a document she typed up herself, this missing information isn't acceptable PROOF OF OWNERSHIP, SHE STATED IN AN EMAIL TO ME THAT SHE DOESNT HAVE OR PRODUCE ACCURACY OF ACCOUNT ACCORDING TO FCRA RULES OF COMPLETE ACCURACY OF THIS ACCOUNT SHE COULDNT PRODUCE DOCUMENTS PLEASE DELETE THIS " INCOMPLETE INACCURATE INFORMATION ON MY CREDIT FILE
Consumer complaint received 2024-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CBV Collection Services Ltd. (GA)

A FCRA infringement alludes to an infringement of the Fair Credit Detailing Act ( FCRA ), which is a government regulation that directs the assortment, spread, and utilization of customer credit data. You're supposed to guarantee XXXX percent accurate data on my credit reports. I've endured harm because of this FCRA infringement Im entitled to compensation for this violation which I would prefer in the form of DELETIONS otherwise I'll have to forward it to my legal counsel. These accounts listed in my letter are not 100 % correct and I demand them to be REMOVED immediately.
Consumer complaint received 2023-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX