davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (OH)

Call RESURGENT collections today spoke with XXXX XXXX XXXX,, '' DONT KNOW IF THATS HER ACTUAL NAME, ASKED HER TO SEND ME VERIFICATION OF DEBT, PAYMENT HISTORY, FIRST DATE OF DELINQUENCY, DATE OF OPENED, AND KINDLY ASKED HER AND GAVE HER MY EMAIL ADDRESS, AND SHE REFUSE MY VERIFICATION OF DEBT, TOLD HER TO SEND THE ADDRESS SHE HAS ON FILE SHE COULDNT VERIFY INFORMATION SHE CLAIMS I OWE, NEVER DID BUSINESS WITH THIS COMPANY DONT RECONIZE DEBT SHE COULDNT AND WOULDN'T PROVIDE THAT INFORMATION AND SHE REFUSED AND WAS VERY UNPROFESSIONAL ATTITUDE ON PHONE
Consumer complaint received 2024-08-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: D&A Services, LLC (TX)

XXXX XXXX Account XXXX The amount listed is not correct nor did I ever have a contract or agreement with D & A Service for an amount of {$19000.00}.

According to FRCA 605b, it is illegal to report any inaccurate information on my credit report.please remove this negative item. Thank you
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: WELLS FARGO & COMPANY (NV)

Under the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ( a ) ), it is emphasized that consumer reporting agencies have a duty to operate with fairness, impartiality, and respect for the consumer 's right to privacy. As a consumer, I have the right to ensure that my private information is not shared without my consent. This right is further supported by 15 USC 6801, which asserts that financial institutions have an ongoing obligation to respect their customers ' privacy and protect the confidentiality of nonpublic personal information. The furnisher of information to credit agencies, being a financial institution as defined by this law, must adhere to this obligation.

Furthermore, 15 USC 1681, Section 604 ( a ) ( 2 ) clearly states that a consumer reporting agency may only furnish a consumer report with the consumer 's written instructions. nor the furnisher of information to credit agencies has my written consent to furnish my information. I hereby revoke any and all consent, whether verbal, non-verbal, written, implied, and the furnisher of information to credit agencies.

According to 15 USC 6802 ( b ) ( c ), a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given a clear explanation of how to exercise the nondisclosure option. The furnisher of information to credit agencies has never informed me of my right to exercise this option. Additionally, 15 USC 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include adverse information in a consumer report if it is more than XXXX years old, except for records of criminal convictions. The account in question is an adverse item being reported without my permission, in violation of this law. 

Moreover, 15 USC 1681s2 ( A ) ( 1 ) ( A ) states that no person should furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Under 15 USC 1681e, every consumer reporting agency must maintain reasonable procedures to avoid violations of section 1681c and to limit the furnishing of consumer reports to authorized purposes. It is evident that XXXX and XXXX are failing to maintain these procedures. Finally, under XXXX XXXX XXXX, a consumer has the right to opt out at any time, and I am exercising that right by opting out of your reporting services.
Consumer complaint received 2024-08-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NY)

I applied for a XXXX XXXX XXXX XXXX from American Express prior to XX/XX/year>. 
Subsequently, I received a letter ( from that date ) denying an extension of my credit because my " average utilization of credit card accounts is currently too high ''. As the Principal Creditor, This is in violation of 15 USC 45 & 1611. 
American Express is unlawfully denying my credit card application for false non-decisive factors.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, 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. (UT)

I checked my credit report and found a hard inquiry on my credit report from a XXXX bank on XX/XX/2022. I have never done any business with a XXXX bank and do not know why they put a hard inquiry on my credit report. I contacted XXXX Bank and but they never gave me a clear answer why there is a hard inquiry on my credit report and asked me to contact TransUnion to remove the inquiry. I tried to contact TransUnion several times but never reached a real person.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (NC)

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
XXXX : [ AFFIRM INC ] [ XXXX ] In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Notice of Dispute Regarding Inaccuracies and Collections on XXXX Account Dear CFPB, I am writing to formally dispute the inaccuracies and collections reported on my XXXX account XXXX which I believe are in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

**Details of the Dispute : ** - **Account Name : ** XXXX - XXXX Number : **Unknown - **Dispute Reason : ** Inaccurate collections reporting without permissible purpose **Explanation : ** I, XXXX XXXX, have recently been made aware of a collections entry on my credit report from XXXX. I am disputing this entry for the following reasons : XXXX. **No Permissible Purpose : ** I have not given XXXX XXXX any related collections agency permissible purpose to report this account to the credit bureaus. As per 15 U.S.C. 1692g, I have the right to request validation of the debt and ensure all reporting is accurate and lawful. 

2. **Inaccurate Reporting : ** The collections entry contains inaccuracies that do not reflect the actual state of my account. I have not received adequate documentation or verification from XXXX or any collections agency validating the debt in question. 

XXXX. **Lack of 1099-C Form : ** I have not received a 1099-C form indicating a cancellation of debt, which is required by the IRS if a debt of {$600.00} or more is forgiven. This further suggests that proper procedures have not been followed. 

XXXX. **Improper Notification : ** I have not received proper notification of this collection from XXXX XXXX the collections agency. Under the FDCPA, I am entitled to receive a written notice containing details of the debt, including the amount, the name of the creditor, and a statement of my rights. 

I appreciate your prompt attention to this matter and look forward to your resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners (NV)

Around XXXX or XXXX I was first contacted by phone by XXXX XXXX XXXX, XXXX for a debt related to XXXX XXXX XXXX ambulance services for a date of service of XX/XX/XXXX. The responsible party for the debt has the same date of birth and same last name as I do. We have the same first name but with different spellings and different middle names, and we live in different cities in the same state. I contacted XXXX XXXX XXXX by phone and advised them that I was not the responsible party and had no connection to the responsible party. They reviewed their account and confirmed that the information on file did not match my personal identifying information and promised to send me written documentation that I was not responsible. They never did. On XX/XX/XXXX, I received a letter from XXXX XXXX, again trying to collect for the same debt. I also received phone calls about that debt at the same time. Again, I contacted them via phone, confirmed that my name, address, and SSN do not match the responsible party, told them to stop contacting me and that I considered their repeated attempts to collect the debt from me to be harassment, and to send me written documentation that they will cease contacting me as I am not the responsible party. They did not send such documentation. On XX/XX/XXXX, XXXX XXXX sent another collection notice for this same debt to my address, with my name spelled correctly on the address line but clearly different from the name on the account that was also included on the letter. On XX/XX/XXXX or XXXX my husband received a call from XXXX XXXX requesting to talk to me about the debt. They have confirmed repeatedly that I am not the responsible party, and yet they continue to harass me and now my family members over a debt that is very easily proven to not be my responsibility.
Consumer complaint received 2023-08-02
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BMO Bank, N.A. (CA)

I purchased my mobile home in XXXX and secured a 20 year loan through Bank of the West. 

The area I live in is considered a flood zone and Bank of the West requires flood insurance for the loan. 

For many years, I was using a broker XXXX XXXX who purchased XXXX for the insurance. 

Almost from the beginning, I would receive automated notifications from Bank of the West they were missing flood insurance. 

My broker from XXXX, XXXX representatives, and myself would send emails and fax declarations. I would also go into local branch offices for support, but all they would do was say they would " contact someone '' at Corporate.

One year, the Bank of the West forced insurance onto my loan although I had purchased it. When that happened, I placed a formal complaint with CFPB COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX In XXXX, I received notice from XXXX that XXXX would no longer provide flood insurance. 

I did some shopping and found XXXX XXXX. 

I communicated with a XXXX XXXX and purchased what I believed was needed *before* my current policy expired on XX/XX/XXXX. 

On XX/XX/XXXX, XXXX XXXX sent the new Insurance policy ( including Flood ) to the Bank of the West. 

On XX/XX/XXXX, I received notice from the Bank of the West they had not received Flood Insurance. 

On XX/XX/XXXX, XXXX XXXX tried to contact the Bank of the West to no avail. 

On XX/XX/XXXX, I sent the following attached letter through US Postal. I also emailed the Escrow Department that same day. 

On XXXX Thursday, XX/XX/XXXX, I received the very first non-automated email from XXXX XXXX stating saying explaining the coverage received was {$20000.00} and needed to be {$69000.00}. 

Although I will agree my *new* broker made an error in the coverage amount, I believe I am being penalized for a lack of communication as to what was needed. 

Their email to me on Thursday, m XX/XX/XXXX was the first non-automated email I received from the Bank of the West. 

And now you are penalizing me for a forced place flood gap that could have been avoided had the Bank of the West communicated with me when they first received the new insurance from XXXX ( before my previous insurance expired )
Consumer complaint received 2023-03-20
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 the information was erroneous. Equifax must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The items need to be investigated and corrected for erroneous reporting in my file and is listed on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$770000.00}, XXXXXXXX XXXX XXXX  XXXX Balance : {$280000.00}
Consumer complaint received 2024-08-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (CA)

I have attempted to close am American Express account at least twice. Each time I was directed to an account retention XXXX who attempted to keep my business. Each time the representative refused to close the account and kept trying to keep my business. 
After the last representative refused to listen to my request, I lost my temper with the last representative who then hung up. 

I WANT THIS ACCOUNT CLOSED. I DO NOT FEEL THAT DEALING WITH A RETENTION XXXX WHO IS INCENTED NOT TO PAY ATTENTION TO MY REQUEST SHOULD NOT OCCUR. 

HOW DO I CLOSE THIS ACCOUNT?
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Velocity Portfolio Group (CA)

Identity Theft Report : On XX/XX/year>, I filed an identity theft report with the FTC, which identified the accounts in question ( tradelines XXXX  XXXX and XXXX ). 

Ongoing Collection and Reporting : Despite the identity theft report, these accounts were not promptly blocked or deleted from my consumer reports as required by the Fair Credit Reporting Act ( FCRA ). Instead, these entries remained on my consumer reports and I continued to receive collection attempts from multiple agencies, including XXXX XXXX, VELOCITY INVESTMENTS LLC, XXXX XXXX XXXX. These communications lack proper consent and are misleading and violate my rights under the FCRA and FDCPA. 

Violation of Privacy Rights : The unauthorized sharing of my personal information with third parties, including consumer reporting agencies, is a gross violation of my privacy rights. I did not authorize this, and any alleged consent is hereby revoked. 

False and Misleading Correspondence : The fact that I received correspondence from multiple agencies regarding the same alleged debt is both false and misleading, further exacerbating the damage to my credit profile and causing significant stress. 

Inaccurate reporting : The unauthorized reporting of this alleged debt on my consumer report is not only a violation of my privacy but also contains numerous inaccuracies that violate the FCRA. These inaccuracies, documented in the attached screenshots, are causing significant harm to my credit profile and financial well-being.
Consumer complaint received 2024-08-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group (FL)

I have been receiving letters from Lawyers telling me that there is a suit against me from a company I never did business with and never got any documents from the company for a resolution. I do not owe any money to the debt company name velocity investment llc. I believe this is against my rights of the company in trying to sue me. I feel that velocity investment llc is a fraudulent company just trying to sue without any contact with me about this alleged debt owed to velocity investment llc. I have not received any calls whatsoever from velocity investment llc but they can just go out and try to sue me? How can a debt company try to sue me with out contacting me before filing a law suit. This is out of hand and something needs to be done to stop these people from velocity from trying to sue me and people out there. I read how this company are not licensed debt collectors how is that possible. But there allowed to file lawsuits against me. I have gotten so much lawyers sending me notices about this situation but nothing from velocity. I also saw while I was not home and at work from my ring camera a man knocking at my door which I notice he was trying to serve papers so he was a process server which came into my property that has a fenced and a no trespassing sign on the door which he is not supposed to come into my property and thats against the law for a processor to come in the property when the gate door is closed he has been sent from the velocity investment lawyers which they should no that is trespassing.
Consumer complaint received 2024-08-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (TX)

This is not my account nor have I ever signed a contract or done business with this company.

According to FRCA 605b, it is legal to report any inaccurate information on my credit report.please remove this negative item. Thank you
Consumer complaint received 2024-08-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

I informed Chase about an unauthorized {$1000.00} charge that was posted to my account on XX/XX/XXXX. I contacted the merchant about this and I have text messages showing the charge was unauthorized. Chase issued a credit to the account XX/XX/XXXX. Chase recently did an investigation without requesting any of my evidence. The merchant submitted a document claiming the charge was authorized and I asked the merchant to provide this document and they never responded. Chase is verifying a falsified document from the merchant. Chase then reversed the claim on XX/XX/XXXX and said theres nothing they can do to get my money back if the merchant is not giving it back. They said i can go to small claims court. This is ridiculous, I was never notified or alerted of {$1000.00} coming out of my account. How are they able to take an unauthorized {$1000.00} and not give it back. Chase then said I can confront the merchant in person, why would I did that?? The charge was not authorized and I have proof. I uploaded my text messages with the merchant, and am now waiting on a response from Chase Investigations.
Consumer complaint received 2024-08-17
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (AL)

XXXX XXXX is damaging my credit score. Furthermore, they refuse to update their documents to the interest rates aligning with the servicemembers civil relief act. I have written them and made them aware that their calculations are incorrect. They are not willing to settle and continue to try to collect an incorrect and inflated balance from me. Furthermore, I asked for a payment ledger as it pertains to this account, and they were unable to supply me with such documents.
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: Velocity Portfolio Group (AZ)

My rights were violated by XXXX XXXX XXXXnd XXXX, they are reporting incorrect information that has damaged my credit and impacted my XXXX. I have reached out to the credit reporting agencies to provide me with proof of debt, nothing had been provided to me. Im requesting for the credit reporting agencies to be investigated and for my credit report to be updated accurately. I also need proof/documention of the debt, this is fraud.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

The following open accounts listed with a balance on the account currently listed on my Experian credit report is closed accounts with a balance of {$0.00} : XXXX. XXXX XXXX XXXX XXXX {$170.00}, XXXX XXXX, XXXX XXXX XXXX {$74.00}, XXXX XXXX XXXX XXXX  XXXX XXXX {$730.00} XXXX XXXX XXXX, XXXX, {$1000.00}, XXXX, XXXX XXXX, {$10.00}, XXXX XXXX XXXX XXXX, {$170.00}, XXXX XXXX XXXX XXXX XXXX {$550.00} and XXXX XXXX XXXX XXXX XXXX, Full Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/year>, XXXX : XXXX
Consumer complaint received 2023-03-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

On ( XX/XX/XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-08-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I continue to get phone calls and text messages from a local phone number posing as Portfolio Recovery Associates. On XX/XX/2024 I sent a letter requesting the following 1. Original account number 2. Original name of creditor 3. Date account was opened 4. Date of last payment 5. Amount of the original debt 6. Itemized statement showing full history of account 7. Proof of chain of title that you own the debt 8. Copy of contract with my signature. To date I have not received the requested information from collection agency and this account is still reporting on my credit. I recently reviewed my credit report and this is still there. This is concerning considering CFPB recently took action last year against them for reporting inaccuracies to consumers credit files. Unfortunately, I am also a victim and their behavior continues. This " alleged '' debt is well beyond the statue of limitations. I want this off my credit, it is outside of FCRA guidelines. Please have them stop harassing me.
Consumer complaint received 2024-08-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (TX)

I was in XXXX XXXXXXXX XXXXXXXX XXXX  on the day they claim I went to see the doctor. 
I was XXXX XXXX for XXXX days, which includes the date of the alleged debit I owe.