davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BH Financial Group, LLC (CA)

Since XX/XX/2023, i've reached out to A third Party Debt Collector ; SIERRA MANAGED ASSET PLAN LLC multiple attempts to stop debt collection of a debt that was a result of Identity Theft from XXXX XXXX XXXX. 
Their Representatives seem to not recognize my requests to stop collecting and return to funds taken from me due to a judgement against me.
Consumer complaint received 2023-12-05
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. (NY)

I have fraudulent accounts on my credit report, which I reported to XXXX XXXX and XXXX XXXX  , yet they are not removing these fraudulent accounts. They have no right to refuse to remove these fraudulent accounts because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX and XXXX XXXX  have refused to do this. The followings are the fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Block, Inc. (IN)

on XX/XX/2023 i sent {$50.00} to a friend using Cash App ( Identifier # XXXX ). Cash App responded i need to pay a {$30.00} clearance fee. Same day i sent {$20.00} ( Identifier # XXXX ) also requiring a {$30.00} clearance fee. This is the first ive known of a clearance fee. i have requested Cash App refund the money.
Consumer complaint received 2024-06-25
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: EQUIFAX, INC. (NY)

I had my XXXX XXXX XXXX XXXX XXXX NY XXXX for mailing for company to respond to Equifax removed this information from my credit file when they put my address in Georgia which I never lived I have Equifax credit report from XXXX with my XXXX XXXX XXXX it. Also all of my creditors has my XXXX XXXX XXXX address on file so what is Equifax problem they already violated my information by changing my address to a unknown area without my permission so why all this not updating of my address now.
Consumer complaint received 2019-04-26
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (GA)

Chase has refused to provide me with monthly billing statements for the years XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. I have requested these documents over 5 times and have been denied. I request that Chase does not send me copies of the contract or deed or mortgage papers. I have a dispute with the way the account billing and accounting was handled. I also request copies of the loan modification application and payment statements. I request copies of all check Chase payment refunded/issued to me in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX concerning this account. The account and servicing records are not and accurate Chase keeps avoiding my request according the the Federal Respa Laws and Dodd Frank Regulation X governance. I want copies of all documents sent within 7-10 business days of this notice- Please do not contact me by phone and send requested documents by their should be no delays or questions needed
Consumer complaint received 2024-06-08
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Torres Credit Services, Inc. (IL)

On XX/XX/XXXX Torres credit Srv, an entity Ive never even heard of brought my credit down XXXX points. The original creditor says XXXX XXXX  who is trying to collect money not owed as I just moved into my place with a current bill of {$35.00}. Previously Ive canceled services with them 2 years ago so I dont appreciate the attempt of being exploited over fraudulent information. Especially when Ive been identified as making very low income, this is making my life harder and emotionally stressful.
Consumer complaint received 2024-06-08
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Clark County Collection Service (UT)

I dispute the validity of this debt and demand validation in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g ( b ) Until such time as you provide me with the required validation of the debt, I demand that you cease all collection activities, as is my right under 15 USC 1692c ( c ). This includes, but is not limited to, ceasing all calls, letters, and any other form of communication related to the alleged debt. Please be advised that failure to comply with the FDCPA may result in legal action being taken against your agency. I expect your prompt attention to this matter and await your validation of the alleged debt. Clark County Collection Services isn't licensed in my state to collect this fraudulent debt. This company violated my consumer rights by placing this on my credit report without any notice nor was I given a letter to response within the 30 day time frame. FDCPA 1006.30a no parking of debt Clark County Collection Services was asked to submit their documents and not itemize copies of papers of the spending on the account. I requested proof my signature and the original contract if one was signed. I didn't give any permission 15 U.S.C 1681b to open any account under my name. 
This collection agency attempts to collect a fraudulent debt. Clark County Collection Services to remove this fraudulent account off my credit report without any investigation into the matter. Theirs no account number for XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (CA)

Someone used my personal information to open savings accounts and credit cards. I feared that my indentity has been stolen. All of the sudden Im getting all collection letters and statements of items I did not get. Let alone yes they have my address but they forgot the apartment letter
Consumer complaint received 2024-06-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Payfare International Inc. (TX)

Pursuant to the Fair Credit Reporting Act 609 ( e ), they're required to send me, at no charge within 30 days, copies of any documents they may have regarding this fraud including : records of phone numbers used to activate the accounts or used to access the accounts, addresses, application records or screen prints of Internet/phone applications and any account statements.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Stellantis Financial Services US Corp. (IL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-06-07
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: C/C Financial (TX)

I am writing to dispute inaccurate information on my credit report under the provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I recently reviewed my credit report and discovered erroneous information that is not mine. This misinformation is adversely affecting my creditworthiness and character, particularly as I am in the process of securing a new home.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Receivables Management Partners, LLC (CA)

I am a victim of identity theft, Im here today corresponding to you guys on the situation at hand.

I was robbed about 7 years ago they snatch my purse with all my sensitive information inside. Until the day the criminal has yet to be caught. 

Please help me these arent my accounts I have no knowledge or no connection of the said accounts. They even got an eviction in my name in North Dakota
Consumer complaint received 2024-06-07
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC (TX)

I requested debt validation from the company. I did not receive any validation, however this company deleted this account from my credit report. About two months later, this account was reported onto my credit file again and I have not received any debt validation from this company.
Consumer complaint received 2024-06-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Torriere Holdings INC (KS)

Spire recovery solutions ( SRS ) has been harassing me with phone calls daily with no relief. They have resulted to contacting several extended family members and asking for them to give out MY personal information. At this point, they are not only being an insurance, but also putting me at risk for identity theft and compromised personal information.
Consumer complaint received 2024-06-07
Product: Debt collection — Other debt
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 (WA)

They're trying to get information out of me, claiming I have this debt, but it is a result of a fraudulent account created in Florida ( I don't live in Florida ). 

I got a phone call from Genesis and they wanted to verify my identity with details such as my birthday and email address. They have my phone number and name and don't need other identification, especially since the fraud came through one of their customers.. They were upset and disrespectful to me for not wanting me to share details that they should already have had.
Consumer complaint received 2024-06-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc. (IL)

I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.
Consumer complaint received 2024-06-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (AZ)

There was a credit issued of {$600.00} on XX/XX/XXXX from XXXX XXXX for a problem that I had with a sofa that was purchased from them, to my Costco Citibank credit card. I saw the credit issued of {$600.00} to my credit card account on XX/XX/XXXX. The {$600.00} credit is now not showing on my account. I have contacted Citibank on three different occasions. The first time, I was told it takes 3 days to post. The second time I called I was told that it takes 3 to five days to post. I spoke to a supervisor today who now says it takes 3 days to post and he does not show the credit for {$600.00}.
Consumer complaint received 2024-06-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC (MO)

I spoke to the debt collector at XXXX XXXX XXXX and they told me I could send in a letter disputing the debt. I mailed the formal letter per her request on XX/XX/year>. They have been continually calling me since and they have not sent verification responding to the dispute which is illegal. I called XXXX XXXX XXXX  on XX/XX/year> and spoke to XXXX different people. None of them would answer me about whether they received my dispute letter. They just kept robotically repeating " this is an attempt to collect a debt... will you be paying the debt today? ... '' Furthermore, the gym that is trying to collect the debt never contacted me about collecting a new form of payment after my debit card was stolen/canceled.
Consumer complaint received 2022-11-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (VI)

On XX/XX/2022 a soft inquire was done on my credit. I want to know why they looking on my credit and collection for who? 


Debt validation is requested. Debt is consider disputed. 

Provided the signature for this debt, amount, when it was open, when it was close and the age on the account and when it was charged off. 


The following address Current address : XXXX XXXX XXXX, XXXX, VI XXXX Past address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX
Consumer complaint received 2024-06-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates (MD)

I was taken to court by XXXX XXXX XX/XX/XXXX for the same debt XXXX is saying that I owe XXXX XXXX untility company. In my first attempt to resolve this collection, I was contracted by XXXX at the same time I received notification that XXXX XXXX attorneys were taking me to court. XXXX told me that you are not being taken to court we are assigned to this case by XXXX XXXX. I gave the representative my docet number and he told me he would call me back. I heard nothing further from them. 

I go to court XX/XX/XXXX and settled with XXXX XXXX attorneys, but when I reviewed my credit report I still see XXXX on my credit report along with another collection agency XXXX who was reporting the same information. I disputed the collection on XXXX and XXXX deleted the collection but XXXX updated it. 

I called XXXX again about this and they explained I would have to send them documents from court showing that I paid the debt because XXXX XXXX says that I owe it. I sent the court document from XXXX XXXX proving that XXXX XXXX and I were in court, we settled and the case was dismissed by the judge. I then sent not only XXXX this document, I sent it to XXXX and XXXX too. XXXX called me and said that they received the document but XXXX XXXX wants to see the stipulation. I said why would XXXX XXXX want to see the stipulation if they are the ones that took me to court? I then asked XXXX to reach out to XXXX XXXX to get that information. The document I sent you is public information from Maryland Court Records and I do not owe any money to XXXX. 

Today, I see that XXXX reported that XXXX says I owe them even after uploading my documents. Not sure what else to do at this point. This company is reporting in accurate information and in my opinion fraud.
Consumer complaint received 2024-06-07
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: Continental Finance Company, LLC (MO)

I would like the inquiry XXXX XXXX XXXX XX/XX/2024, CONTINENTAL FINANCE/ XXXX XX/XX/2024 removed as it is hindering me from building my credit the way I intended. I did not authorize it.
Consumer complaint received 2022-10-11
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Flagstar Bank, N.A. (VI)

I have received many calls from Flagstar Bank from a number not listed on their website. 

They ask me for personal information to verify who I am. This is a huge compliance issue. 

When I called them back at the number listed on their site they told me that I had missed a payment months ago. When they looked further into it my bank had reversed the payment for unknown reasons. 

However, I had made the payment through their portal each month, I received a text stating they payment had been made and every month after that I was only prompted to make my normal payment. 

I have now taken a huge hit on my credit score, I have hundreds of dollars in late fees and I have spent hours on the phone trying to unravel this. 

Flagstar is not willing to work with me unless I jump through many more hoops, regardless of their failing to notify me or provide clear details about what I owe and when. 

They are also in gross violation of privacy requirements.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST ADVANTAGE CORPORATION (CA)

XXXX XXXX XXXX reoccurring criminal charge in violation of section 605 ( a ) ( 5 ) makes clear, each adverse item of information is subject to its own seven-year reporting period, the timing of which depends on the date of the adverse item itself.
Consumer complaint received 2022-09-22
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: EQUIFAX, INC. (VI)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2023-09-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One does not care about their custumers! I have been paying my bill on time all along and using my bill pay thru my bank I send the payment to the po box that was on the envelope that came with my bill instead of my payment going to XXXX XXXX they have been going to XXXX XXXX This is not my mistake it is theirs because I was only using the address that came with my bill! I can not afford these charges and even though the guy I spoke with on the phone admitted they made a mistake he was only willing to remove {$40.00} XXXX owe over {$2500.00} and most of it is late fees! This is no way to treat a custumer who has always paid his bills on time they had the money it just went to the wrong po box !
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: GLOBAL PAYMENTS DIRECT INC. (PA)

I contacted Global Payments Check Services LLC several times to send me my consumer report. I have mailed out requests and requested it via email and fax. They have not responded. I am requesting my consumer report from them as per the FCRA. I have attached my mailing address which is XXXX XXXX XXXX XXXX PA XXXX. I have attached documentaion verifying my ID and my address.
Consumer complaint received 2024-06-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (FL)

XXXX XXXX XXXX  Website for Radius Global Solutions LLC to request information does not work. Their live chat is offline during business hours. No account information provided. Mailed letter only showed name, the telecommunications company that are not even in service in this area ( XXXX XXXX ), and amount owed.
Consumer complaint received 2024-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (NY)

Dear To Whom this may concern, I am writing this letter to you that I agree to pay any financial obligation which I might lawfully owe, ON THE CONDITION that you provide : 1. Validation of the debt that is the actual accounting. 
2. Verification of their claim against I : that is, a signed Invoice. 
3. A copy of the contract binding between me and you in a letter by certified mail. 
4. Full disclosure because I was not told I was creating the credit with my wet ink signature. 
5. Equal consideration because you as the creditor brought nothing of value to the table. 
6. Lawful Terms and Conditions. 
7. Wet ink signatures between you the creditor and I the consumer. 

Under 15 USC 1681q states the following : Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 

You MUST DELETE this collection of {$320.00} off of my consumer reporting profile in the next 30 days. 

Reporting information you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 

You need to positively verify these accounts to ensure my ability to obtain credit. 
Under the Fair Credit Report Act, unverifiable accounts must be DELETED in 30 days. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (PA)

Chatting in about complaint XXXX I still need help Hello my name is XXXX XXXX what is the updated on my complaint and please also close my account. 
Sent from my XXXX XXXX my name is XXXX XXXX what is the updated on my complaint and please also close my account. 
Sent from my XXXX Please call me at XXXX Hello my name is XXXX XXXX what is the updated on my complaint and please also close my account. 
Sent from my XXXX Please call me at XXXX I still need help closing my account out I never received the code in the mail. 

Please close my account and send me proof when it is closed and my contact email is XXXX please email me back.
Consumer complaint received 2024-06-06
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: OLIPHANT FINANCIAL, LLC (PA)

This company is violating my FDCPA federal rights by engaging in deceptive representation and deceptive means to which this company is Doing with there pre-generated answers to my complaint in an attempt to continue to violate and circumvent the FCRA and FDCPA with these prefabricated responses but still ignoring consumers rights.these responses are fabricated because I have file several complaints with the consumer financial protection board and the Better Business Bureau. I have yet to this day to receive any correspondence from this company ever. This is Deceptive representation and means to the fullest.