davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc (NM)

I got a gym membership in XXXX of XXXX and stopped going the same year. I continued to get charged for the membership until XXXX when my debit card expired. I further recieved an email in XXXX of XXXX saying my account was going to be sent to collections to which I called the gym. They notified me that I was behind 3 months and owed around {$230.00} because of late fees. I explained my situation to the manager as I had not been to the gym in 3 years. They waved the late fees and I paid a total of around {$150.00} and some change for the 3 months I was behind as well as I cancelled the membership, this again took place in XXXX of XXXX. I continued to follow-up with the gym via phone as I sent a cancelation letter via XXXX until XXXX recieved the letter. They further let me know the letter was recieved and my membership was cancelled and I would not continue to get charged for it. I further recieved an email in XXXX of XXXX stating I missed a payment. I called the gym and the XXXX XXXX billing company ( ABC Fitness Solutions ) which the gym notified me that my membership was cancelled and I did not have a balance and this may be a glitch as the email also did not show a balance and rather a cancelation date. The billing companies automated system also stated I owed {$0.00}. 

In XXXX of XXXX my credit dropped around XXXX points to which it showed I had an account in collections. I called the collections company, XXXX XXXX XXXX, that stated the debt was from Anytime Fitness XXXX. I further called the gym which were able to send me documents ( that I didn't recieve prior ) showing my cancelation date being XXXX of XXXX as well as the cancelation letter I sent via USPS. The gym however stated they could not provide me with any further documentation as my account was in collections and it would not allow them to view my account to retrieve documentation such as my signed agreement or payment history. 

I further called the billing company, ABC Fitness Solution, who on multiple occasions said they would email the documentation requested to me but have failed to do so. When following up, they stated they were not allowed to send the documentation and whoever I talked to prior misinformed me. I was able to talk to someone else who stated they would email the documentation to me but have still failed to do so. 

I did further ask the billing company if I paid the account in collections if my membership would stay inactive and all my debts would be paid. They stated when I pay the collection agency that they will reactivate my membership and start to charge me monthly again until I attempt to cancel it and pay again to cancel the membership. 

I do have documentation of the payments I've made as well as the cancelation paperwork and the letter I sent to the gym in XXXX of XXXX.
Consumer complaint received 2024-08-29
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AR Resources, Inc. (NM)

I received a phone message from this company, which did not identify itself. I called back and asked the name of the company and the person continued to speak over me. I stated I had been the victim of identity fraud and did not owe the debt. The man did not register that I had spoken. Said he was referring it to the credit bureau and hung up on me. 

I have never received documents or other correspondence from anyone regarding this debt. 

They continue to leave messages, but when I return the call, they tell me there is no process for remedy and hang up on me.
Consumer complaint received 2024-05-27
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: Experian Information Solutions Inc. (GA)

I requested for correction of inaccurate accounts which another credit reporting agency found to be inaccurate and had already corrected. Due to your lack of response, or responses which I classify as frivolous, you have dishonored FCRA regulations. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update/correct the following accounts : 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
Consumer complaint received 2024-08-15
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. (LA)

I have disputed multiple accounts on my XXXX credit report including XXXX accounts with XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX, multiple times during the period of XX/XX/year> thru XX/XX/year>. I have filed an identity theft claim with FTC concerning the XXXX XXXX XXXX Account. I have no knowledge of the vehicle attached to the account. There are inaccuracies and discrepancies on the other accounts that are being reported and are having a negative effect on my credit scores and financial well being. Each time I have disputed these accounts, XXXX has CLAIMED these accounts has verified that the accounts belongs to me AND are reporting XXXX XXXX accurately. However, the information that is being reported to each bureau is completely different such as balances of the account, date of last activity, date last reported, etc. These inaccurate reporting are in direct violation of the Fair Credit Reporting Act Section 623 which requires that when a company provides information to a CRA, the are obligated under the FCRA to ensure the accuracy of the information that is being furnished. It is illegal per the FCRA to report information that is inaccurate. And the credit bureaus have an obligation to only report true and accurate information. As well as to PHYSICALLY investigate disputes of these inaccurate items in which I do not believe XXXX has done at all. The credit bureau has continuously failed to PHYSICALLY PROVE ownership of the reporting of these accounts nor have they PHYSICALLY VERIFIED the accuracy of their reporting per the FCRA guidelines. They contine to electronically " verify '' these accounts via the e-oscar system. They allow creditors to " batch verify '' thousands of accounts by merely pressing a button instead of requiring PHYSICAL verification.This practice is appalling and should not be allowed. It is obviously unreliable and flawed. The FCRA states that if any aspect of the account reporting is not accurate, the entire account MUST BE REMOVED. The credit bureaus has repeatedly refused to follow FCRA guidelines. I am hopeful that you will force XXXX to follow federal law and to remove these inaccurate accounts IMMEDIATELY due to their inaccurate and ILLEGAL reporting!
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (MD)

I keep disputing the same mistake and maybe fools to take it off of my credit report I sent in a letter from XX/XX/XXXXXXXX expressing what I owe them. How is this company allowed to charge me more when I do not owe that so I do not owe this account for them, holding up my credit for years now with misinformation and will not take it down.
Consumer complaint received 2024-07-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (TX)

Consumer Financial Protection Bureau Subject : Dispute of Incorrect Information and Request for Validation Pursuant to 12 CFR 1006.34 To Whom It May Concern, I am writing to formally dispute inaccurate information that has been reported to my credit file by Resurgent Capital/ LVNV Funding LLC . This collection entry has been placed without providing me with the required validation information as mandated by 12 CFR 1006.34 ( b ) ( 5 ). Additionally, I have not been given the opportunity to dispute this account, a right guaranteed under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 

I hereby revoke any and all rights to owe any debts to Resurgent Capital/ LVNV Funding LLC or any associated entities. Furthermore, I revoke all rights to communication, including emails, text messages, and phone calls, from Resurgent Capital/ LVNV Funding LLC , and its representatives. 

In accordance with my rights under federal law, I request the following documentation from Resurgent Capital/ LVNV Funding LLC to validate the alleged debt : 1. Purchase agreement between Resurgent Capital/ LVNV Funding LLC and the original creditors regarding the alleged debt. 

2. Proof of license and bond for debt collection in Texas. 

I formally request Resurgent Capital/ LVNV Funding LLC to immediately remove the following collection entries from my credit report : 1. Resurgent Capital/ LVNV Funding LLC Amount {$29000.00} I expect Resurgent Capital/ LVNV Funding LLC, to provide the requested documentation promptly. Failure to comply with these requests may result in legal action to protect my rights under federal law. 

Please provide me with written confirmation once you have received this dispute and initiated the validation process. 
Thank you for your prompt attention to this matter. I anticipate your timely response and the swift resolution of this dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-02-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NC)

I have send numerous of documents including my police report and identitytheft.gov documents. I have sent to XXXX XXXX XXXX and XXXX XXXX EQUIFAX  AND XXXX. I have gotten letters phones calls and report still showing on my credit profile.. Now i got this letter stating they wont honor my documents because a payment was made from 2 bank account that i have no knowledge of no dealing with them. This is violating my right and all of 15 USC code 1692I. USING 15 U.S. Code 1692g WHICH I HAVE BEEN REQUESTING PROOF AND NONE HAS BEEN GIVE SINCE I AM A VICTIM OF IDENTIY THEFT JUST CONTINUE TO TELL ME ITS VALID NOW IM 15 U.S. Code 1692K OF MONETARY SETTLEMENT
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I lodged a complaint in the form disputes through their official websites. Against these Bureaus ( XXXX, XXXX, Experian ) more than a month ago regarding inaccurate and negative information on so called credit reports. but unfortunately, the inaccurate information on my report still remains on my report. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the data leak and XXXX data breach.
Consumer complaint received 2024-08-18
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. (VA)

Transunion continues to report fraudulent activity on my credit report. I have reported fraudulent inquiries on my report and they refuse to remove them even with me sending them the FTC report and the police report. XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX- XX/XX/XXXX I have report them before and they took no action to remove them!!!!
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate.

Under 15 U.S.C. 16811 ( 7 ) Method of verification- Description or reinvestigation procedure.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( 8 ) ( i ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonable available ; by not later than 15 days after receiving a request from the consumer tor that description. 
Please send the ( Following information used to validate the item ( XXXX ) below, otherwise delete them from my credit report immediately : Account ( XXXX ) : XXXX. XXXX XXXX XXXX This account is being reported inaccurately, Please remove this from my credit report immediately
Consumer complaint received 2024-07-16
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC (WV)

Jefferson Capital kept contacting me via phone call, they have also sent me mail. I have tried to contact them multiple times. I got ahold of someone, asked them to give me information, they wouldn't. They were only concerned on how I was going to pay with my card. I have reached out multiple times and to contact back. I have tried to resolve this issue. I have looked the reviews up on the internet and they have said this company has taken all their money out of their bank account, they have charged them the incorrect amount. Nothing has been done about this issue from the company stand point.
Consumer complaint received 2024-07-16
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (TX)

I have an account with Citibank, it's a credit card that has an annual fee of {$650.00}. The company charges the credit fee monthly. The credit card company has limited my access to the credit card despite excepting the payments. I have been waiting for them to reopen my credit limit however, I have not had much response. This is a paid credit card which is supposed to guarantee additional services, however the credit card company fails to deliver their part of the contract. The credit card has been fully paid yet. I'm only able to access XXXX dollars XXXX limit making the car pretty much useless for me.
Consumer complaint received 2024-07-16
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Tally Technologies (TX)

I have a balance with Tally Technologies , Inc. with a payment due today, XX/XX/year>. I have a new checking account and needed to update my payment information before paying my bill. I attempted to update my bank account on XX/XX/year>. Tally Technologies does not allow customers to enter account information manually. Instead, they must use a third-party login system. Their third-party login system does not support the bank where I have my checking account. Because of this, I was prompted to call during regular business hours XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since yesterday, I have called seven times between those hours. Three of these calls gave me a busy signal. Four of these calls gave me an automated message that agents were unavailable and then Tally Technologies disconnected the call. I emailed customer service outlining the issue on XX/XX/XXXX at XXXX XXXX XXXX. XXXX XXXX at Tally Technologies responded at XXXXXXXX XXXX XXXXXXXX with instructions on how to add a bank account via their third-party login, even though I explained the issue was that I was unable to do so. The email also said that I am still responsible for paying my bill on its due date, which is impossible because they need to allow me to update my payment information first. I responded at XXXXXXXX XXXX XXXXXXXX reiterating that I am not able to add my account and that their phone lines are not working. I am still waiting to receive a response. However, I did receive an email this morning reminding me that my payment is due.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, all by certified mail ( receipts enclosed ) requesting that you remove inaccurate information from my file and you have failed to do so.

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way.

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum. 

I await your response.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account # XXXX has violated my rights. 

Account Name : XXXX XXXX Account # XXXX has violated my rights. 

Account Name : XXXX XXXX Account # XXXX has violated my rights. 

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 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 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 2024-07-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OR)

I hope this message finds you well. I am writing to formally appeal the permanent limitation placed on my PayPal account associated with the email address XXXX. 

I believe that this limitation has been applied in error, and I respectfully request that PayPal re-investigate my case. I have carefully reviewed the PayPal User Agreement and policies, and I am confident that I have not violated any terms or engaged in any prohibited activities. 

My account has always been used in compliance with PayPal 's guidelines, and I am committed to maintaining a positive relationship with your platform. Therefore, I kindly ask for a thorough re-evaluation of my account status. 

I would be grateful if you could restore my account if the investigation confirms that there were no violations. Your understanding and assistance in this matter would be greatly appreciated. 

Thank you for your attention to this request. I look forward to your prompt response.
Consumer complaint received 2024-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (OH)

In 2004 I purchased a rental property located at XXXX XXXX XXXX, XXXX, XXXX  XXXX. Soon thereafter I had tenants living in the property and a check from Wells Fargo in my name was sent to this address. The " check '' was some type of instant loan that I had never requested. The tenants found a way to cash said check and then the debt obviously went bad as I did not even know about it. Since that time I have been XXXX  and XXXX  for collection of this debt even though Wells Fargo has been in receipt of proof that this debt is not mine for XXXX  years. Most recently, the deceptive practices of XXXX have brought this back to the surface. No one, over XXXX  years has been able to provide me with proof this debt was mine, in fact the last go around Wells Fargo provided a different debt company with what I sent to prove the debt was not mine.
Consumer complaint received 2022-10-25
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. (FL)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.