davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MA)

Hi Midland Credit Management ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

I am filing a formal complaint regarding a violation of my consumer rights under various sections of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that a consumer reporting agency can not furnish an account without my written instructions. I demand that all methods of communication and collections on this account cease immediately. I request the immediate deletion of this account from my credit report as I do not recognize this account, have no knowledge of it, and have no prior contractual obligations with the company in question.

You have violated my rights under the following sections of the FDCPA : 1. 1692d : By engaging in conduct that harassed, oppressed, and abused me in connection with the collection of an alleged debt, including sending a collection letter containing veiled and empty threats of legal action.

2. 1692e : By using false, deceptive, or misleading representations in connection with the collection of a debt, including the following : * 1692e ( 2 ) ( A ) : False representation of the character, amount, or legal status of the debt in the collection letter.

* 1692e ( 5 ) : Threatening to take legal action that can not legally be taken or is not intended to be taken.

3. 1692g ( b ) : By engaging in collection activities that overshadowed or were inconsistent with the disclosure of my right to dispute the debt, as stated in the collection letter.

4. 1692f : By using unfair or unconscionable means to collect or attempt to collect the debt, as alleged in the misconduct detailed herein.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: W&A Intermediate Co., LLC (GA)

Hello, Wakefield and Associates are reporting incorrect information on my credit reports. I noticed they were listed as a collection and immediately called them. Upon calling, the representative advised the bill was from an emergency room visit. Since I've always carried insurance, I thought this would be an easy fix. I contacted the emergency room hospital financial services department who advised this bill was taken care of through my then insurance. I then contacted Wakefield and associates to advise of the mishap. the representative continued to try and collect on a bill that I advised the original creditor has verified was satisfied through the insurance company. Please help as they are bullying me into paying funds I do not owe.
Consumer complaint received 2024-07-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (MD)

On XX/XX/XXXX I went on vacation. Before that I had requested a credit card from PNC bank, so I can improve my credit score. On my vacation I contacted PNC to help me. 
In order to look into my bank balance I have to register my XXXX XXXX to PNC bank and then my XXXX XXXX I'm using can receive the security code needed to access my account. 
I called the ( XXXX ) XXXX many times and was unable to Get into my PNC online account because of the ridiculous questions that the PNC agents asked of me. I also sent a e-mail to PNC XXXX XXXX XXXX XXXX XXXX and she did not help me. 
So the issue is that the credit card required a fee every month and since I was on vacation until I landed in the USA on XX/XX/XXXX. I incurred over {$100.00} in fees for not paying the credit card on time. I also don't know if my credit score is negatively harmed by PNC inactions to help me.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC (PA)

I have an additional account listed on my credit report that causes me concern. I would like the below accounts reinvestigated and removed for inaccuracies. These accounts continue to severely affect my credit rating ( ACIMA DIGITAL FKA SIMP ) Please provide the names and business addresses of each company with whom you verified information so I may follow up. Please send me an updated copy of my credit report after your reinvestigation. Please see referenced accounts below : 1. ACIMA DIGITAL FKA SIMP Account reporting inaccurately Please verify account belongs to me Payment history inaccurate Requesting this account be removed from credit report
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Adjustment Company Incorporated (TX)

On XX/XX/XXXX I filed complaint XXXX. CACi still has not provided the documents requested in this complaint. The company has yet to prove a balance is owed. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) and XXXX XXXX XXXX Court of Appeals of Indiana. Billing statements and or a contract are not enough to prove a balance is owed. Accounting records are needed to prove a balance owed. CACI cant provide that information. CACI has sent out correspondence trying to extort me for an extension of credit that the company can not prove is owed. Thats a violation of 18usc 894. There are heavy penalties for this crime. In addition CACI is reporting this derogatory account to my credit report through XXXX, XXXX, and XXXX. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information every condition must be met to report my non public personal information to non affiliated third parties ( XXXX, XXXX, XXXX. ) I never received any disclosures from CACi. The FTC states without proper consent it is identify theft. A violation of 18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information. The information that is being reported to my credit report from this account is false and inaccurate. Its a violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. If the company refuses to delete the account then Ill proceed forward with litigation. Ill pursue civil action for a failed requirement under the Fair Credit Reporting Act 15 U.S.C. 1681 s-2 ( b ), pleading for damages, caused by the CACi, for false and negative reporting. I do want to bring up again the master purchase agreement as if this does get tied up in litigation itll be a key piece of evidence used. Companies that sell debt state in these agreements that they do not guarantee the information to be 100 % accurate. You can try using a Bill of Sale but theres this thing called the Rule of Completeness. I can request all relevant parts to a writing or a recorded statement. This ensures there are no misleading version of events. 
XXXX be sending a copy of this compliant to the State Attorney General and the FTC as there elements of extortion and fraud along with FCRA violations.
Consumer complaint received 2024-09-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC (AL)

I requested proof that it is my debt. Anyone can write out a document saying someone owes them money. I have never used a facility called XXXX XXXX XXXX Alabama. I have never been to XXXX Alabama. I requested documents saying this is mine and instead received some fraudulent looking papers. On top of that, ONE of the sets of papers stated i had XXXX XXXX XXXX XXXX XXXX Alabama. If I had XXXX, why would I have a bill. Additionally, why does one of the forms say I have XXXX while working at XXXX  but the other doesn't? To go a step further, I didn't start working with XXXX  until XXXX of XXXX, so there is no way that I would have stated that I worked for XXXX  when I hadn't started for 2 more months. Finally, I received two documents from this company, one for XXXX and another for XXXX, but two accounts on my credit for XXXX. The company has not only falsified an account on my credit, but is also falsifying information on the collections accounts. None of this information is correct. I need proof this is mine because all of this looks fraudulent, and their actions on my credit that are falsified are only further supporting that.
Consumer complaint received 2024-09-05
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: HYUNDAI CAPITAL AMERICA (NJ)

Theres a few factual discrepancy on my credit report my mailing address, The amount that Hyundai is stating that I owe is inaccurate Hyundai sold my vehicle without sending any notice of repossession or sale. Ive loss items that was in the vehicle. 
I had gap insurance in my contract
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TekCollect Inc. (NC)

I am requesting a copy of the arbitration agreement for my personal and business checking accounts. 

I am also requesting documentation for the placement of this account with Tek-Collect to confirm the balance and account details that Tek-Collect is attempting to collect on.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc. (TX)

I am a victim of identity theft in the following inquiries. Below is proof That somehow my information was given without my authorization. 

Fraudulent inquiries that appears on my consumer credit reporXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX All of the following inquiries are fraudulent needs to be deleted and removed from consumer credit report.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (NC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my SELF/XXXX XXXXXXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-09-05
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Meridian Financial Services, Inc. (VA)

First, they did not provide validation within the 30 days they have by law. They've been told multiple times that the debt is disputed and that they need to return it unless they can prove to us that they purchased the debt, not simply acting on someone's behalf. We got a letter that states we've been in collections with them since XXXX  ( or maybe they've been working with XXXX XXXX  since XXXX  ) but we have no idea what that has to do with us or the collection notice we received in XXXX.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (CA)

I previously had XXXX fake debts on my credit report that I had to have removed by filing complaints with all three credit reporting agencies bc they were a result of identity theft. Someone in Michigan keeps using my name and social security number and I wind up with various debts from XXXX XXXX XXXX. " XXXX XXXX XXXX XXXX '' " XXXX XXXX XXXX XXXX XXXX '' and various other similar names that were showing up on my credit report. Ive added additional security on my credit report now due to this identity theft. These debts were found to be fraud in all three credit agencies and now I have another XXXX  and this Sunrise Debt collector XXXX XXXX XXXX keeps calling and texting me about a debt of around {$1700.00}. I told them this is fraud, I have never lived at the address they have on file and never lived in that state nor have any relatives that Live there. It's already been confirmed fraud. I was transferred to their fraud division and they refused to contest the charge, instead stating I need to email them further personal information so they can look into this. I asked them to resolve this over the phone and they refused. I have been hung up on or placed on endless hold. They are harassing me and refusing to listen to me when I say this is known identity theft fraud that's already been proven.
Consumer complaint received 2024-09-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (GA)

My social security number was in many data breach and have been found on dark web as well. My name and information have been in a number of data breaches. I have been telling collection for years that was not me but they still hassle me. The debt that was mines I paid in a settlement and what is mines am making payment on.
Consumer complaint received 2024-09-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Monterey Financial Services LLC (NH)

Account Number : XXXX Contract ID : XXXX On XX/XX/year>, we submitted a final counteroffer of {$5000.00} to settle our account with XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$25000.00}. We have been in an ongoing dispute with XXXX XXXX XXXX XXXX XXXX for over two years due to fraudulent activities related to how we acquired the timeshare. Given the circumstances, this amount is fair and sufficient.

Despite our efforts to resolve this matter, Monterey Financial Services has failed to provide accurate and clear information regarding the status of our settlement offer. This has caused considerable distress and inconvenience to us.

We seek the Consumer Financial Protection Bureau 's assistance in confirming the {$5000.00} settlement amount to cancel the timeshare with XXXX XXXX XXXX XXXX XXXX and ensure that Monterey Financial Services provides accurate and transparent information regarding our account.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am being denied of disputing inaccurate information on my credit reports. ( XXXX dispute leters ) Instead the credit bureaus are sending me a letter back telling me to go online and which i have online acounts i have always used and are currently using and they are denying my rights to dispute online and on the phone they are sending me to tect maessages with same information as in the letters they are sending back to me after i mail in first class and certified letters to these credit bureaus. They are in violations of m y rights as a consumer. They are making up this stuff saying that it appears yo not be me trying to correct my credit report with my identi documents attached. 
Under The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C1681. This information and process needs to be processed accordingly. Please Assist me.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FactorTrust, Inc. (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX. 
LAST NAME : XXXX. 
DOB : XX/XX/year> XXXX  : XXXX SECURITY FREEZE
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (AZ)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Adjustment Company Incorporated (OH)

Sent some Papers that was supposed to be debt validation, but it doesnt have my signature or my name. It has someone elses name on there with their signature. Also its reporting wrong dates from the paper they sent to me. I have disputed this account more than four times nothing happens Saying I owe {$1500.00}
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (SC)

I requested a chargeback for a transaction in the amount of {$550.00} through wells Fargo bank from XXXX. I was scammed from a rental property in which a tenant pretended to be the owner of the property. After i sent they money through XXXX  the tenant stopped responding to all my calls and messages. I asked wells Fargo to step in and verify with the recepient who scammed me to show the rental agreement. Wells Fargo did not bother to contact me to get any documentation or proof of anything. They automatically denied my claim. In 10 years of banking with them I have never gone through the process of a chargeback and was stunned they denied me without asking for any details from me at all.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I was able to place a freeze on all three bureaus for myself shortly after hearing about the XXXX breach. Shortly after that, my wife and I tried to place a freeze for her. The Transunion site has frozen or given error messages EVERY time. Today I tried to get the status of MY freeze, and the Transunion site froze and/or gave an error message EVERY time. How can a company with so much influence over our day to day lives be allowed to operate so badly? If the Transunion site won't work on the " unfreeze '' portion, how can I get new credit when necessary?