davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-30
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Zions Debt Holdings (HI)

On XX/XX/2024 I submitted a complaint against Zions Debt Holdings [ Complaint id # XXXX ] and in that complaint I attached a dispute letter that gave them a refusal to pay/cease and desist notice. In that notice I specifically explained and quoted the FDCPA and its laws regarding cease and desist. I had requested that this company cease communication with me both directly and indirectly through all mediums as described in the FDCPA however Zions Debt Holdings is still communicating with me via credit reporting. Credit reporting is an indirect medium as they are contacting a third party agency ( consumer reporting agencies ) about this alleged debt. This is a direct violation of 15 U.S. Code 1692c ( c ), in other words section 805 of the FDCPA. This is my last warning to this agency before I proceed with legal action.
Consumer complaint received 2024-06-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Torriere Holdings INC (AL)

On XX/XX/XXXX I received an email from Spire recovery solutions stating that I owed a debt of XXXX. I called the company to inquire about this debt. They stated that the original debtor was XXXX XXXX. I called the debtor to inquire about this so called debt I supposedly owe and spoke with agent from company who stated that they had no record of me ever taking out a loan with company. I then call Spire recovery solutions and relayed my findings to them, and she provided me with an account number XXXX. I then called XXXX XXXX  again and asked them to look up the account number provided. They, again had no such record of that account number in their system. I again called Spire recovery solutions to convey the findings to them. I was told by agent they would call me back. I never heard from them but I got a letter in the mail stating I owe this debt. I know for a fact that this debt is not mines. As a matter of fact I applied for a loan with XXXX XXXX on XX/XX/XXXX and was approved for a loan. If I had an outstanding debt with them they wouldnt have approved me for a loan, also the debt is not on my credit report. I dont even know what the people from Spire are talking about regarding this debt. I did not take out a loan with these people on XX/XX/XXXX. I would have remembered if I did.
Consumer complaint received 2024-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (MI)

Debt from XXXX for XXXX XXXX was purchased by Vance and Huffman LLC. Vance and Huffman added a new credit line on my credit report dated XXXX. XXXX was included in an action lawsuit and advised to release consumers from existing lease agreements and then sold my account to Vance and Huffman. I have disputed this 3 times in the last 6 months and it still has not been removed.
Consumer complaint received 2024-06-05
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. (IL)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Consumer complaint received 2024-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC (MI)

Debt from XXXX for Tempoe LLC was purchased by XXXX and XXXX XXXX. XXXXXXXX XXXX XXXXXXXX added a new credit line on my credit report dated XXXX. XXXX was included in an action lawsuit and advised to release consumers from existing lease agreements and then sold my account to XXXXXXXX XXXX XXXXXXXX. I have disputed this 3 times in the last 6 months and it still has not been removed.
Consumer complaint received 2024-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (FL)

I reviewed my XXXX account and noticed the debt as a collection on my report under the name Vance and Huffman LLC as well as their name as the original creditor. I have never contacted that company nor have I ever done business or signed any documents with this company. I contacted the company 3 times where they keep saying the debt is mine but when I ask for validation they have refused to reply when I have already submitted it more than 30 days ago. 

XXXX XXXX has taken their word for it and have not asked for more validation. And that is hurting my credit score and causing me severe hardship. 

My identity was stolen in XXXX  and I submitted those documents to several of the credit agencies to remove anything that is not accurate. However this company refuses
Consumer complaint received 2024-06-28
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Community Health Investment Company, LLC. (AL)

My medical bill got sent to PASI without notice. I never received bill from the hospital as it was going to an old email address. I received first collection notice earlier this month from PASI. A couple of days ago I submitted a payment and set up a payment plan. However, I received a letter from PASI stating that they knew where I worked. Well today I received a call from them at work and I am not allowed to take personal phone calls during work hours. I explained to XXXX XXXX PASI collector ) that she did not need to be calling my employer and that I had already submitted a payment and set up a payment plan. She ignored that and asked that I call them to set up the payment agreement. I explained to her that I had a confirmation email about the payment plan and she still ignored the fact and asked that I call them to set it up according to her no payment plan was set up on her end and was harassing me to call them to get it set up.
Consumer complaint received 2024-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

I am writing to formally dispute the inaccurate information that appears on my consumer report. Specifically, I am referring to the collection account listed by GENESIS CREDIT, which I do not have an account with and is erroneous. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incorrect or inaccurate information on my consumer report. I am requesting that you investigate this matter and remove the collection account from my credit report. I have never opened an account with GENESIS CREDIT, nor have I had any dealings with them. 
Which I believe violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have reason to believe that this account information is inaccurate and has caused harm to my credit standing. 

The FDCPA mandates that debt collectors maintain accurate records and provide clear and concise information about the debts they are attempting to collect. Additionally, the FCRA requires that credit reporting agencies maintain the maximum possible accuracy in the credit reports they publish. In this case, I have identified the following potential violations : ( XXXX ) Failure to provide proper validation of the debt ( XXXX ) XXXX inaccurate and unverified information to credit bureaus ( XXXX ) Inadequate communication regarding the account and dispute process I request that you provide me with all necessary documentation to validate the debt, including any agreements, account statements, and proof of payment history. Furthermore, I insist that you initiate an investigation into the accuracy of this account information and remove it from my credit report if it can not be verified. 

If the investigation reveals that the account information is indeed inaccurate, I expect GENESIS CREDIT to rectify the situation promptly by updating my credit report and providing appropriate compensation for the damages incurred, including emotional distress and potential harm to my creditworthiness. 

I appreciate a prompt attention to this matter and expect a response within the legally required timeframe, as specified in the FDCPA and FCRA. If a satisfactory resolution is not reached, I reserve the right to file complaints with the appropriate regulatory agencies and pursue legal action to protect my rights as a consumer. Under the FCRA, GENESIS CREDIT is required to investigate and respond to my dispute within 30 days.
Consumer complaint received 2023-09-26
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)

15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Transunion is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions to a consumer reporting agency. I need the transactions reporting as late, collection/ charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '' let 's be clear that I am not asking you to validate or verify anything. So please don't respond by telling me that cause that would be a waste of my time. Some of the negative accounts have been placed in Collection/charge-offs, late payments/ other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns relating to the Cancelation of indebtedness by certain entities. If this derogatory account information is not deleted from my consumer reports within 30 days I will be forced to officially file IRS form 3949A : Information Referral and IRS form 211 : Application for award for original information overview with the IRS against ALL entities involved
Consumer complaint received 2024-06-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Cheadle Law Firm (TN)

I first was notified I was being sued on behalf of a credit card debt that was accumulated during Covid and the lawyers that XXXX XXXX ( XXXX  the credit card was through ) sent a summons to appear in court. The first appearance I asked for PROOF of the debt because it was almost double the initial amount borrowed! Therefore another court date was set about four weeks later and at that time I was persuaded to negotiate a payment plan to adhere to in which I did until one day I checked my bank account and it was XXXX. They levied over $ XXXX out of my account even though I was making payments! I never agreed on a judgment and have been continuing to try and fight this as they refused to settle for anything less than the doubled amount!
Consumer complaint received 2024-06-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

Using citibank credit card, my flight was booked incorrectly by XXXX XXXX. When I booked the flight, i booked for XXXX passengers. XXXX didn't send any email containing passenger details. They just mentioned flight number, date and confirmation number. On the day of travel, when I tried to check in online, it issued only XXXX boarding pass. Upon contacting XXXX they said it wasn't booked for XXXX passenger and then they started asking for proof, how can i give proof if they never sent comprehensive email with correct details? They admitted the mistake but still they are refusing to refund my amount and I ended up following up with them and credit card company. They didn't care much and closed the dispute in favor of XXXX XXXX while the credit card companies claim that they help with travel issues etc!. At the last minute, I had to travel with expensive end moment tickets. This is so unfair and unethical practice by airline and unsupportive credit card companies. I have lost {$540.00} and had to spend additional XXXX for new last minute tickets.
Consumer complaint received 2024-06-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optio Solutions, LLC (CA)

Qualia Collection Services ( XXXX ), is attempting to collect a debt on behalf of XXXX XXXX XXXX, account number XXXX, in the amount of {$14000.00}. 

XXXX XXXX XXXX relocated me to a XXXX XXXX because the XXXX were being rebuilt. Then, the home I was relocated to partially burned due to a short circuit inside one of the walls that started the fire. The fire fighters arrived on the scene and wrote a report that stated the fire was not caused by me. The home owner probably didnt have insurance and it seems like theyre trying to come after me for something I didnt do. 

The property owner immediately XXXX me and my family. The XXXX XXXX provided assistance by placing us in a hotel. Then, XXXX the XXXX XXXX XXXX XXXX XXXX XXXX, had us move back to XXXX XXXX  XXXX and then after XXXX months, she XXXX us. And now she wants us to pay this weird fee that I dont believe is mine. Then XXXX and XXXX couldnt furnish a copy of my XXXX agreement that was for XXXX year. 

I have been under so much stress. I am a XXXX XXXX family and I feel like I am being taken advantage of. Please help as none of this is my fault or my debt. Thank you.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Monterey Financial Services LLC (PA)

I've disputed this collection agency a few times and it keeps coming back verified. This is not my account and it's hindering me from being able to buy a house. I don't have a clear understanding of this account in collections that's on my credit report called Monterey Collection sv.
Consumer complaint received 2024-06-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Opportunity Financial, LLC (TX)

I have sent two different correspondence ( XXXX XXXX & XXXX XXXX ) informing that the information pertaining to XXXX/OPPLNS acct # XXXX, is incorrect and reported wrong on my credit report. These inaccurancies are highly injurious to my credit rating. I have asked for them to be removed but that has not happened The high balance listed is : XXXX - {$0.00} XXXX - {$1500.00} XXXX - {$2100.00}
Consumer complaint received 2024-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: M&T BANK CORPORATION (MD)

We had a house fire in XXXX. We worked with the insurance company to get damage repaired, items cleaned, and evaluated worth of property lost, hotel bills, dog boarding bills, etc. After a long process, the insurance company issued us checks- but they had to be co-signed by M & T, our mortgage company. We were told we had to submit the checks- so we overnighted them with all of the paperwork we received from the insurance company. M & T is requiring us to submit bids, etc. in order for them to determine if they will release the checks. They seem to not be understanding that the work is complete -- and now we owe this money to the vendors ( plus, we need to replace the nearly {$10000.00} we have paid out of pocket ). These vendors are charging us late fees and have sent us to collections- and they are not returning our materials to us until we pay. M & T has told us it's up to them if they will release the full amount of money to us or not. However, this is money already spent and we are on the hook for the amount. M & T has not been helpful- they keep telling us we are missing materials, etc. We have been trying hard to get the money we were awarded to the vendors but we keep hitting road blocks from M & T. We are beyond frustrated. It's traumatic enough to have had a house fire - and now we are being impacted in so many ways financial and emotionally by our inability to receive the money that was granted.
Consumer complaint received 2024-06-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: INSPERITY INC (CA)

On the pay period of XX/XX/XXXX, my paycheck was not deposited into my direct deposit account. Upon further investigation, I discovered that my banking information had been changed without my consent. The direct deposit page no longer displayed my original account and routing numbers, which I had initially set up for payroll. Instead, a different account and routing number, not associated with me in any way, were shown under my direct deposit. 

I promptly contacted XXXX, the payroll company, and explained that the funds were deposited into an unknown account, likely due to fraud. Despite multiple conversations with various staff members, including supervisors, managers, and the XXXX, XXXX has refused to re-issue my paycheck to my correct account. They stated that they would not be pulling the funds back from the fraudulent account and would not be issuing me my missing paycheck either. 

It is evident that my payroll account was accessed by an unknown source who altered my direct deposit information without my consent, resulting in my paycheck being deposited into another account. Despite presenting this situation to XXXX, they have failed to take corrective action or provide a resolution. 

I am seeking the CFPB 's assistance in resolving this issue and ensuring that my paycheck is re-issued to my correct account. Additionally, I request that steps be taken to prevent such fraudulent activities in the future and to hold XXXX accountable for their inaction and lack of support in this matter.
Consumer complaint received 2024-06-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Express Recovery Services, Inc. (UT)

I applied for financial assistance in XX/XX/XXXX for medical treatment at the XXXX XXXX XXXX submitting all required information. The XXXX sent my case to 2 collection agencies : Express Recovery and Clear Solutions who has been harassing me for months and I just received a letter ( XX/XX/XXXX ) from the XXXX threatening legal action. I spoke with XXXX about this with an unsatisfactory outcome. My case no is XXXX ; the balance is {$380.00}
Consumer complaint received 2024-05-23
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. (CA)

Hello. We have been trying to fix my credit report for years. We have tried for long time to fight with credit bureaus. XXXX years. We send letters over and over again telling them they have wrong person and they don't fix nothing. They say on report I am XXXX XXXX XXXX and I am not XXXX XXXX XXXX. We have sent my license and social security card many times to show who I am. 

I keep getting letters showing XXXX XXXX XXXX. They also show I have mortgage and car accounts. I don't have any credit. I came to United States in XXXX. I got my social few years ago and I never open credit. I was not here in XXXX as report says. I don't have house, I don't have car, I don't have credit. Lots of addresses are showing on report. They are not mine. We keep fighting for XXXX years and bureaus still don't help me. I do everything I'm told. I do police report. I do fraud report. I get notary signatures. I do everything. I send everything to them many times. Please help me. 

Here are things not mine. Please remove from my report. 

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 

I don't have mortgage with XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$82000.00} I don't have XXXX  Account number XXXX Date opened XX/XX/XXXX. 

I don't have XXXXXXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$5400.00}. 

I don't have XXXX / XXXX XXXX Account number XXXX Date opened XX/XX/XXXX.