davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synerprise Consulting Services, Inc. (TX)

Synerprise Consulting is reporting a debt and I do not owe nor was I given the opportunity to dispute. They did not send to my address and the address they are reporting is not a residence and was placed on my credit report by them. They have produced no documentation to verify how they obtained this erroneous debt in my name, they dont even have my correct name!
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Eagle Financial Services, Inc. (NC)

I am writing to formally exercise my consumer right under 15 USC 6802 to opt out of any information sharing by Eagle Loan Company of Ohio.

Additionally, I would like to address an important matter regarding my account, which has been charged off. Despite this, I have not received a Form 1099-C ( Cancellation of Debt ) from your company. This omission has resulted in inaccurate reporting of my account status. Therefore, I request that this account be deleted from your records to reflect its accurate status.

Please confirm in writing once this request has been processed. If you require any further information or documentation from me, please do not hesitate to contact me at the phone number or email provided above.
Consumer complaint received 2024-07-17
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Allied Consulting Services LLC (MI)

XX/XX/year> XXXX EST I have received several calls from Allied Consulting Services , always a robot call, this time and last couple times I opted to accept the call to try to stop the calls, after answering it hangs up. Today I called them back at XXXX, a man answered and would not provide his name, when I told him that I had no idea what the debt was and asked them to stop calling me he became aggressive and told me " XXXX '' that I didn't know what the debt was, and that its fine they will stop calling me but they will call my employer ( which I own my business so not a big deal ), but also that they would continue to call my family and friends and there isn't anything I could do to stop him from doing it, and then proceeded to name of a list of people that I am related to. One of which was my wife and she has calls from them on her phone now as well, as well as my parents, it was also brought to my attention that more information than legally allowed has been disclosed. After I informed him that I would be seeking an attorney to hold them accountable via the FDCPA he laughed at me and stated " you can't even afford to pay your debts, you won't be able to afford an attorney to do this '', he was sorely mistaken. Now it is my intent to request they be penalized to the maximum extent allowed under the FDCPA.
Consumer complaint received 2024-05-20
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. (NJ)

I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.
Consumer complaint received 2024-07-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc. (IN)

Beginning in the XXXX  I received numerous calls from a woman who said she was from Diversified Adjustment Services asking that I return her call. I did not. There was no indication that this involved an attempt to collect a debt or who was the creditor. I then was notified of a debt collection action on my credit report and learned that the creditor was XXXX. The amount of the debt was listed as {$240.00} but increased to {$240.00}. I do not owe XXXX any money. I have attached a letter from XXXX XXXX dated XX/XX/year> stating that it is a revised final bill and indicating that I owe nothing. I have initiated a dispute with each of the 3 credit reporting agencies and provided each a copy of this letter. 
Each credit reporting agency responded that the debt had been verified as accurate. There was no mention of and certainly no explanation of this letter. The letter is determinative. I request that the collection action be deleted from each of my reports and that any company requesting credit information on or after XX/XX/XXXX be advised that the listing of the collection was in error. The collection agency is Diversified Adjustment Services, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MN XXXX. XXXX Thank you
Consumer complaint received 2024-07-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (NJ)

I am filing a complaint against Caine and Weiner for their failure to validate a debt they are attempting to collect from me and for reporting inaccurate information to the credit bureaus. 

I received a collection notice from Caine and Weiner regarding a debt they claimed I owed. I immediately disputed the debt, as I did not recognize it and had no contract or agreement with Caine and Weiner. I requested validation of the debt, including a detailed breakdown of the amount owed, the name and contact information of the original creditor, the original contract, and proof that Caine and Weiner had the legal right to collect the debt. 

Despite my request, Caine and Weiner failed to provide the necessary documentation to validate the debt. Instead, they continued to report the disputed and unvalidated debt to the credit bureaus, negatively impacting my credit score. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g, which requires debt collectors to cease collection activities until they validate the debt. 

Furthermore, Caine and Weiner did not provide their state license number or information on what activities their license permits them to engage in, as requested. This raises concerns about their compliance with state and federal regulations. 

Their actions have caused significant stress and financial hardship. The continued presence of this unvalidated debt on my credit report is unfair and damaging. I request that Caine and Weiner immediately cease all collection activities, remove the account from my credit report, and provide full validation of the debt as required by law. 

Thank you for your assistance in resolving this matter.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LJ Ross Associates (IL)

I checked my XXXX XXXX  on XX/XX/2023 and saw a collection from L J Ross that is not mine. I have tried to remove this collection since then but have failed to do so. Please help me because this collection is having a negative impact on my credit score.
Consumer complaint received 2019-06-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (CA)

On all 3 of my credit reports I have an outstanding account that is negatively reporting information from Macy 's. I have contact Macy ; s about this account and they have indicated the account was sent to a collection agency but are unable to give me the information for said agency. When I asked for a balance and or offered to pay the account they said they can not take my money because I need to pay the agency but they have no information on the agency. I have been getting the run around for years. I have called and written several times and have even offered to pay whatever balance I have bit no one seems to be able to locate the account nor assist me in locating the account. I have every intention of making good on this debt but have been unsuccessful in doing so. Being that no one form Macy ' can help me and that there is nothing I can do I feel it is not fair that this keeps affecting my credit and I have no way of controlling it. I need you help in getting this off my credit
Consumer complaint received 2019-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Fraudulent accounts on my credit files and I'm asking that a full investigation be conducted and I'm provided with the Method and every detail of this investigation or you shall remove the accounts immediately. 

1. XXXX XXXX XXXX {$100.00} 2. XXXX XXXX {$420.00} 3. XXXX XXXX {$620.00} 4.  XXXX XXXX / XXXX  5. US Department of EDU {$1100.00} {$2000.00}
Consumer complaint received 2024-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (GA)

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 2024-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (NC)

I requested my annual credit report recently and found on my report a collections from XXXX XXXX for the amount of {$280.00}. I immediately contacted them as I have not had any service with them since XXXX. I asked for confirmation of any agreement or proof of debt. The first representative said I didn't have any balance pending and wasn't sure what was going on. I provided my personal information including my social security, my address and no information was found I was transferred to another representative and she also didn't understand what was going on. She directed me contact the collection agency. I called Bull city Financial and they wanted me to provide my personal information before they could give me any detail. Although I didn't provide that information they wanted me to go ahead and just pay the amount due. I asked for proof of debt and they were going around in circles requesting again my personal information like my social security. 
I again contacted XXXX XXXX and I received similar responses, they don't know where its coming from but also wont agree to remove from my credit. I'm exhausted and overwhelmed that such companies have the legal authorization to add things to my credit without any validation of debt.
Consumer complaint received 2024-07-17
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CAINE & WEINER COMPANY, INC. (NV)

At XXXX I received a call from CAINE & WEINER XXXX He said XXXX I said who this? Caller stated this is an attempt to collect a debt any information will be used for that matter. He then says he is calling regards to a progressive bill. I tell him you cant call this early it is before XXXX. He argued me telling me it is after XXXX XXXX where I am it is XXXX, he know because he is in Texas XXXX XXXX  ahead and it is XXXX do lie. I told him I am located in Nevada, with a Nevada area code. He stated the file says Colorado. Informed him we are also suppose to look at a number for the area code before calling and I said I already had told you were out of time frame. I told him I should report him. He then told me I wouldnt do and I quote XXXX. This call was extremely unprofessional. 

He never verified who I was before divulging information. 
He used foul language. 
He called outside of calling hours on a personal cellphone. 
Never stated who he was calling from in the beginning of the call. 
According to caller id, number that called me was CAINE & WEINER XXXX XXXX XXXX
Consumer complaint received 2019-06-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R.M. Galicia, Inc. (CA)

There is an account on my credit report and I have no knowledge of the debt. I have written to the company and have yet to receive a response. I have previously dealt with this agency on matters from my past and have even filed suit against them for violations of the TCPA by contacting me on my cell phone. This company does not seem to have proper policies and procedures in place when it comes to communication efforts made in attempts to collect on medical debt. The provider of services is wonderful, however, their choice in a vendor is definitely wrong. PMS does not represent the provider in a positive way and it is unfortunate. 

The otherissue is their failure to properly furnish my account number to the credit reporting agency, XXXX. When I review my report all I was able to see if X 's in the amount number so when I wrote to PMS I couldn't even properly reference the alleged account. Their furnishing practices are a joke.
Consumer complaint received 2024-07-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (PA)

I am XXXX XXXX XXXX XXXX, and I am personally submitting this complaint without any third-party involvement. I have attached letters to provide detailed information about the entries on my credit report. I have never had a contractual relationship with Diversified Adjustment Service , Inc., and I believe XXXX XXXX, the original creditor, sold my account without proper notification. This is a clear violation of FCRA 611, as it pertains to inaccurate reporting on my credit report. Please delete this account immediately due to the inaccurate reporting.
Consumer complaint received 2019-06-25
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (OR)

I graduated in 2018 from a XXXX College. XXXX XXXX College/XXXX. 
*I got NO support for Cirtification Testing or my studies durung their program!! 
*I have a cirtified XXXX XXXX. 
*I told the school UP FRONT during their enrollment interview that I needed XXXX  XXXX XXXX accomidations!! 
*The school promissed to give me XXXX accomidation help. 
*They failed to help get me accommodations. 
They did not have any!! 
*Navient is the private loan holder. 
The original loan was for {$1000.00} XXXX College did not inform me of student aid at first, and signed me up for a private loan!! 
This private debt has been assigned to various collection agencies. 
**I gave the last agency a lump sum of {$400.00}!! 
Plus ... small instalments.None of which went toward principle of the {$1000.00}. 
Navient has the debt up to {$4000.00} NOW!! 
I have XXXX XXXX am on food stamps and live in Public Housing, and Do Not Work In The XXXX Program I Attended The As XXXX XXXX!! 
* I Also OWE {$20000.00} + In Federal Student Loans To a Servicer. From This Fraudulent Co. 
*I Am A Responsible Person!! 
This School is So Fraudulent, They Were Closed For Making False Promises!! 
*I Have Firmly Asked Navient and Thier Collection Goons For Hardship. 
NOTHING!! 
The Interest Continues To Rise!! 
I Want RID of This Debt!! 
PLEASE HELP!! 
Ps. My claim is too OLD to be forgiven through the class action law suit towards XXXX  Colleges. 
Pss. 
I have seen 2 lawyers.No help Pss. 
Their is borrowers defense. I have Not Got Any Help For This Private Debt or Federal!!
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (MD)

This consumer reporting agency is not following reasonable procedures to assure maximum possible accuracy of information concerning the individual to whom the report relates. My rights to privacy is being violated in that consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy.
Consumer complaint received 2024-07-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK (OH)

Please contact XXXX XXXX Executive Office of Customer Advocacy Enclosure CC : CFPB to tell her to contact all three credit reporting bureau to let them know that my Discover card account is closed and to get rid of the dispute status showing on all XXXX credit reporting bureaus. 

On XX/XX/XXXX, we received notice that you filed for XXXX  XXXX bankruptcy on XX/XX/XXXX. On XX/XX/XXXX, your account charged off with a balance of {$4700.00}. Your current balance as of the date of this letter is {$4200.00}. You may contact our Customer Assistance and Recovery department at XXXX if you would like to discuss your account
Consumer complaint received 2024-07-09
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. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (PA)

I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account :
Consumer complaint received 2024-07-17
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: OneMain Finance Corporation (FL)

Onemain appeared on my credit XX/XX/year>2023 and XXXX XXXX, 2023. I did not give permission for one Main to run my credit on those dates.
Consumer complaint received 2024-07-16
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NY)

I received my XXXX statement and noticed the interest charge is more then it should be. My balance owed on account as of XXXX XXXX is {$1800.00}. However the interest charged on my balance is {$1700.00}. Base on an interest rate of 29.9 %, my interest rate charged should have been {$540.00}. I called account service phone ( XXXX ) on XX/XX/year> to get an answer but person I contacted would not give me an answer other then repeating what was on my current XXXX statement. Would not give an explanation on the amount of interest charged.
Consumer complaint received 2019-06-25
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: EQUIFAX, INC. (NC)

I am very disappointed on the development of how credit bureaus fix my credit report. It's as if nothing has changed..I know I don't deserve this erroneous information you are placing on my credit report..I have always been responsible with my payments, no late payments on XXXX XXXX
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TN)

So my Equifax is blocked from other people seeing my credit score I sent documentation over to them so they can resolve the matter months ago. Which was my drivers license. Now fast forward Im trying to run my credit again and no one can see it which stops me from getting a car a loan etc. I call and they say the need another form of identification. So I sent them my social security I formation a temporary one from the social security office. That documentation came in XX/XX/XXXX on their end. A week ago I called them and a female supervisor stated all I need is another form of documentation and that theyre waiting on that. I asked her to write that in her notes she said she would. Fast forward to this last Friday I call again, and the person says they see both of my documentation and theyre just waiting on my account to internally be fixed and she said to call back in a couple of days. So I call back today and they now say they do not see my documentation of my drivers license after a supervisor said she did a week ago, and rep said she seen the documents Friday. The license was for them to change my birthday on my account and XXXX weeks a make supervisor stated he changed it to my proper birthday date. Now today another supervisor says he doesnt see my driver license documentation and that my birthday was never changed. All he kept doing is saying we need proper documentation. They lost my documentation and Im having to waste and spend my time correcting their matter, they showed no professionalism whatsoever throughout these conversation.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (OH)

I have been a victim of identity theft. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations.I am disputing the following information directly with you, the furnisher of information, and I am requesting that you send me all papework you have on this account so i can review the accuracy of your reporting If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account.
Consumer complaint received 2023-11-03
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. (MI)

in accordance with the Fair Credit Reporting act 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 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( COMMUNITY CHOICE CREDIT UNION ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly