davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
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: Carmichael & Frost LLC (KY)

The debt collection agency called me on XX/XX/year> around XXXXXXXX XXXX  claiming that I owed money to a creditor. I do not recognize this debt. Upon being sent documentation of the debt, it is well outside of the legal statutes of limitations in the State of Florida ( the state where the contract was signed and all documentation was addressed to ). 

Every communication I've had with them has come with empty threats of a lawsuit, likely in an attempt to get me to admit to the debt to reset the statutes of limitations. 

I sent them a cease and desist letter stating that I do not recognize the debt and their own paperwork shows it's outside of the statutes of limitations, but their response was to send me an email claiming I'm being referred to an attorney to be sued and have liens placed upon my property unless I pay.
Consumer complaint received 2023-10-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC. (NC)

I had reached out to an individual online about taking over a sublease of their apartment. They sent a photo of themselves and their driver 's license to " prove their identity. '' They had me fill out an application to take over the sublease and sign a lease to take over living at the property. At the time of completely the lease they asked me to send {$900.00} as a security deposit to a CPA. When doing a quick internet search the CPA was indeed a real person, however, the information they gave me to send the money to, was not to the actual individual. Additionally, the person had me send them {$1100.00} for the first month 's rent and to get the keys to the apartment. I used XXXX to send both transactions. Upon working on sending the second transaction, I became aware that this was probably a scam. I immediately reached out to Ally Bank to inform them and they refused to assist me with stopping the transaction. After both transactions had cleared, I reached out multiple times to Ally Bank and XXXX to work on getting a refund. Shortly after this both of the accounts had been banned from XXXX, which meant both Ally Bank and XXXX were aware that these accounts were involved with fraudulent activity. I filed claims with Ally Bank and followed up on them multiple times. They said to me every time I contacted them that someone would reach out about my case, but no one ever did. I always had to reach out to them in order to receive any updates. Additionally, I received no response back from XXXX. I filed a police report about a person using a fake identity and creating a fake lease to sublease an apartment. I also filed claims with the XXXX XXXX XXXX against Ally Bank and XXXX. Neither of them were willing to refund my transaction, despite the fact that it had happened while an individual was committing identity fraud.
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: MoneyLion Inc. (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 two 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 Im 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: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (NJ)

My complaint is about Midland credit management. This company is reporting fraudulent inaccurate information on my credit report. i have requested that they provide me with the purchase agreement to show full ownership of such account ending in ( XXXX ) accounting ending in ( XXXX ) and account ending in XXXX ) so that i may review to see if this is actually accounts that belongs to me .but they have no responded but continue to make report in my name. This report has been on my credit report since 2019 i have tried many attempts to get the company to send me the purchase agreement but the have not done so, according to the FCRA i am entitled to review any and all documents that is been reported in my name.
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Mercury Financial Intermediate LLC (NY)

This account is invalid. Mercury Financial needs to verify under oath that this claim is valid, freeform any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 


Mercury cc # XXXX ( Mercury Financial LLC )
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mid-Atlantic Finance Co., Inc. (FL)

From : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX My Date of birthday is| XXXX XXXX 
My Social Securite Number 's is XXXX To : Mid Tlantic Finance XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX RE : XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S. Code 1681n - Civil liability for willful noncompliance a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; To Whom it may concern.. 

This account : XXXX XXXX XXXX Account Number : XXXX The company XXXX XXXX XXXX claims that this account was paid by the creditor in XX/XX/XXXXXXXX  ( PAID BY CREDITOR ), but is reporting erroneous and inaccurate information to the credit bureaus. 
This account was returned to XXXX XXXX XXXX due to problems with the car 's transmission, In XX/XX/XXXX, and the status the this account was reported paid and closed in XX/XX/XXXX So how do you explain that in XX/XX/XXXX the account status is ( paid by creditor ) if it was closed a year before and was paid and closed by XXXX XXXX XXXX? 

XXXX XXXX had already reported the account as ( closed and paid ) and changed it back to ( paid by the creditor ) which is false, under the law 15 U.S. Code 1681i ( 5 ) it stipulates that if after a reinvestigation inaccurate information continues to be reported, the account must be deleted immediately. 

Law 15 U.S. Code 1681i ( 5 ) - Procedure in case of disputed accuracy.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


15 U.S.C 1681s-2 ( A ) 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. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX. 

A copy will be sent to the CFPB, FTC and my Attorney General.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (GA)

XXXX HAS ALLOWED XXXX XXXX TO REPORT AN INNACURATE ACCOUNT ON MY CREDIT REPORT. THIS ERROR IS ILLEGAL AND UNETHICAL. XXXX FAILED TO DO AN INVESTIGATION. XXXX / XXXX FAILED TO PERFORM AN INVESIGATION. THE INNACURATE ACCOUNTS HAS BEEN DAMAGING TO ME. PLEASE REMOVE BOTH ACCOUNTS IMMEDIATELY. 

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information .XXXX  . Please delete the following accounts : XXXX XXXX XX/XX/XXXX, JEFFCAPSYS XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-19
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: T.S. Holdings (CA)

I moved out of my apartment XX/XX/XXXX Bought out my lease. XXXX went thru- gave me final amount for buyout, got money order, paid and signed off! 
XX/XX/XXXX - a collection impacts my credit report for {$400.00} from the apartments I moved out of in XXXX XX/XX/XXXX - called collections and asked why they never mailed me my letter and why the apartments never contacted me, and also told them I owe nothing. I asked to get a letter mailed to me or electronically sent, and the collections said they sent my letter to an address Ive never heard of. The apartment complex denies me owing and my XXXX XXXX went down XXXX points They now call me XXXX or more times a day starting at XXXX am sometimes. 

Its harassment and I dont even know what its for
Consumer complaint received 2024-08-22
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: EQUIFAX, INC. (CA)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2023-04-24
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$11000.00}
Consumer complaint received 2024-08-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc. (FL)

I am filing a complaint against NCB Management Services due to their failure to validate a debt that they claimed I owed. 

Details of the Complaint : On XX/XX/year>, I sent a letter via certified mail to NCB Management Services requesting validation of a debt that they claimed I owed. In this letter, I also asked for proof that this information had been sent to me prior to being added to my credit report. 

Despite the certified mail, as of XX/XX/year>, I have received no response from NCB Management Services.
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: LEXISNEXIS (VA)

The Bankruptcy Court has mailed me a letter which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the U. S. Bankruptcy Courts confirmed Lexis Nexis has never validated or verified this public record entry on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unaware to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately
Consumer complaint received 2023-06-23
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: Experian Information Solutions Inc. (MS)

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  Account Number:XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Bankruptcy Account Number:XXXX has violated my rights. Or 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 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (FL)

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 2024-08-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TN)

I am writing this complaint because I noticed a debt has been furnished on my consumer reports by a debt collection agency by the name of LVNC FUNDING LLC and its partner company RESURGENT CAPITAL SERVICES L.P . These collection agencies did not properly notify me of the alleged debt they are claiming I owe because I did not receive any letter from them in the mail regarding the alleged debt, they claim I owe. I was not given a chance to dispute the debt before they put it on my consumer reports with the NCRAs and I was not given the disclosure that it was an attempt to collect a debt. I have not been given enough information to verify the alleged debt at all. This considered a violation of the Fair Debt Collections Practices Act considering the lack of proper procedure. I searched to verify this company and did not see a license for both companies to collect in the state of Tennessee where I reside. I want them to leave me alone. They are ruining my general reputation and credit worthiness by furnishing unvalidated debts to my credit profiles.
Consumer complaint received 2024-08-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (TX)

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 2024-08-02
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have an account for {$900.00} reporting as unpaid from Capital One. It has brought my credit down over XXXX points and a credit card I had for over 20 years was brought down to a {$500.00} limit. I was turned down for a home loan because of it and I never made the credit card. I called and they couldn't give me any information. I keep getting letters requesting payment for a credit card that I never used. I have never been late on a credit card. The only credit card I had for the last 15 years is XXXX XXXX XXXXXXXX and you can check and see I have NEVER been late!
Consumer complaint received 2024-08-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OR)

XX/XX/XXXX I sent Portfolio Recovery Associates LLC this letter via certified mail so I know they received it. 

" XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ATTN : DISPUTES Portfolio Recovery Associates , LLC XXXX XXXX XXXX. 
XXXX, XXXX  XXXX Account # : XXXX Last 4 of SSN : XXXX Dear Portfolio Recovery Associates , LLC, I am writing in response to your offer letter dated XX/XX/XXXX for a debt settlement regarding Account # XXXX. I have been unemployed for XXXX  years and am in the process of waiting for my XXXX to be approved. Therefore, due to my financial circumstance as a result of unforseen complex and chronic XXXX  issues, I can not pay the amount offered in your letter. Despite this, I would like to come to an agreement with an arrangement allowing me to move on from the outstanding balance. 

I can offer a single payment of {$150.00} to settle the debt. I do not get paid monthly, and I do not have a steady income whatsoever. This is firmly the only amount I can pay. I reiterate that I am unable to agree to sign up for a payment plan as I do not have the promise of an income to pay you monthly. 

Once you accept the offer and process my payment, you will agree not only to report the account paid to all three credit reporting bureaus, including XXXX, XXXX, and XXXX, but also to request the credit bureaus delete the account as a whole from my credit report immediately after the payment has been posted that resolves this account. 

If you agree to my proposed offer, please send a letter of acceptance to me. When I receive the debt settlement agreement, I will forward my payment immediately for the agreed amount electronically. 

Thank you in anticipation. 

Best Regards, XXXX XXXX '' As of XX/XX/XXXX Instead of sending me a letter in return so that I can settle my debt or know where I stand, they continue to send me letters with payment plans and call me every day XXXX times a day. They have called me from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and I have explained multiple times I am XXXX and can not communicate over the phone. They have resorted to continuously harassing me despite me clearly stating that written communication is best. They also have continued to discriminate against me and my XXXX by ignoring my letters and not verifying the debt.