davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-11
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (AZ)

This morning I was notified by my credit monitoring services that I had a collection placed on my account from AT T Mobility thru SUNRISE CREDIT SERVICE XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX I called XXXX XXXX XXXX  they know nothing of the debt ( they say my account is and has been current ), I called the company and they say the bill is for an address in Massachusetts ( I believe ). I do not currently live in, nor have I ever lived in, Massachusetts. I have called the credit bureaus and notified them of the same. 
A few years ( about 2 ) ago my employer XXXX XXXX XXXX XXXX was hacked with XXXX and my data was compromised as a result. I believe this is a result of that hack.
Consumer complaint received 2024-06-11
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

I received a physical Amex Gift Card which as of XX/XX/year> still shows an original balance of {$100.00} when I check it on the website on the back of the card. However, each time I have attempted to use this on XXXX or XXXX XXXX and XXXX XXXX   at full or half value, the transactions are declined. Many people have reported having this problem starting this past year.
Consumer complaint received 2024-06-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (AZ)

Commencing on or about XX/XX/year>, I fell victim to a multi-layered scam operation run by group of scammers ( the Company ), which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firm ( s ).
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

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.
Consumer complaint received 2024-07-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC. (PA)

They are constantly calling, harassing me, telling me I owe debt that they can not confirm as mine, nor have they sent paperwork with my signature, stating that I agreed to pay anything to them or to any other third-party establishment. I would like to see my personal signature as the person responsible for the debt and responsible for paying a third-party XXXX collector, which I did not agree to and they have yet to provide this information Or proof of signature on any of these documents
Consumer complaint received 2024-06-11
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Prince Parker & Associates (IA)

Prince Parker has attempted to contact me numerous times and each time I have informed them that they are unable to verify a person 's identity over the phone especially in today 's age of ID Theft and Data Breaches and I have asked them each and every time over the last several months to cease and desist from contacting me. Especially due to the ID Theft and Data Breach issues there is no way I am going to give out my information over the phone in any attempt to play their verification game as it could be a clear phishing scheme. I have also informed them that if I am the person, they are attempting to collect a debt from that they need to send me everything in writing via USPS Certified Mail Requiring a Signature. Despite this they insist on continuing to call me. Today, XX/XX/year> one employee gave me the excuse that it supposedly takes them several months to process any request to cease and desist or even a request to dispute a debt. This is absolutely unacceptable and just them attempting to protect themselves from legal action. I did record some of my interactions with the company today including my demands for them to provide me with their address and the agent claiming that she didn't know or have it. When I demanded her supervisor, she insisted that her supervisor was in a meeting and insisted on me calling " Customer Service '' which I am fully aware is whom I was speaking with as I know that their fake numbers that they use are routing all calls to their customer support center and that's who is picking up calls. I am not as stupid as they think I am and not one to fall for their scams. I have even attempted to tell them to dispute the debt if they think I am the person they are trying to reach and again nothing is being done by the company and they continue to insist on calling me further leading me to believe that they are engaging in a phishing scam. Any law-abiding debt collection company would have already honored my requests to cease and desist from contacting me via phone and they would have honored my request to send me everything in writing or to even dispute the claim upon my requests if they believe that I am the person they are supposed to be collecting the debt from.
Consumer complaint received 2023-05-04
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. (TX)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-06-11
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. (NC)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2023-05-04
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. (CA)

I reviewed my Consumer Reports and noticed that I had erroneous reports on accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance : {$260000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$260000.00}
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc. (FL)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation (AL)

I filed chapter XXXX Bankruptcy, this Bankruptcy was XXXX XXXX. I contacted all creditors and credit bureaus to ensure they have up to date accurate information, all bureaus updated all information on all accounts accurately except for XXXX and XXXX. I pay a monthly membership fee to XXXX for services to see and dispute my credit report. last 20 days I have filed over XXXX disputes, with all results being that XXXX finds the current information to be accurate and no changes madeXXXX made changes more severe, it is very clear bankruptcy is not a charge off. On XX/XX/year> my XXXX XXXX XXXX I could see was XXXX, XX/XX/year> my score XXXXXXXX XXXX XXXXXXXX Acct beginning with XXXX reported after my discharge that my account with them is Charged Off, with Balance of {$3500.00} and XXXX XXXX of - {$3500.00}, Comments " Charge Off ''. Paymen legend stating charge off. I 1st filed a complaint in regards to this on my XXXX with cfpb, now XXXX XXXX is retailaiting against me by now attacking my credit profile with XXXX. XXXX refuses to update this account as XXXX XXXX XXXX Bankruptcy, failing to update balance to {$0.00}, failing to update avail credit to {$0.00} and failing to update historical data to reflect the discharge. I am suffering from XXXX and XXXX XXXX illegale reporting to my credit file, I have been turned down for credit offerings, jobs, work assignments, as purpose in Chapter XXXX bankruptcy is to offer Americans a XXXX chance / fresh start and XXXX and XXXX XXXX  are dilibertly causing un-repairable harm to me by the wontan disregard of my Constitutinal Rights & Rights afforded to me within my State and of The United States Of America. I am seeking for my credit file regarding this issue be corrected immendiately with out delay and financial compensation for damages, pain and suffering, damages for violating my Rights.
Consumer complaint received 2024-06-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Payfare International Inc. (TN)

When I pay for my gas I go inside to pay and I noticed on my account it would be pending after it has already been taken out of my account. Then the next day they would charge me again like the transaction was made that day. This happened twice so they owe my XXXX dollars
Consumer complaint received 2024-06-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (WI)

I am writing to file a formal complaint against CACI Collections regarding an account on my credit report. I have made multiple attempts to resolve this matter directly with CACI Collections, but they have not responded to my requests for debt validation.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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.

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 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 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 2024-08-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NJ)

On Friday, XX/XX/2024 - I received a notification from Coinbase followed by a call from a customer service representative that there was an unusual log in attempt on my account. The call was accompanied by numerous emails from the company which included their logo, address and one even providing a case number and the individual service representatives name. They provided instructions for me to only use Coinbase products- the Coinbase exchange app and the Coinbase wallet. Needless to say, the party on the other line stole {$15000.00} from me. Due to the prevalence on Coinbases logos and official communications as well as the exclusive use of coinbases products to perpetrate this scam, I wish to hold the company accountable. They have a duty of care to their customers to put safeguards in place to prevent this behavior.
Consumer complaint received 2024-04-19
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: Experian Information Solutions Inc. (LA)

Upon reviewing my Experian and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2023-05-04
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Chime Financial Inc (FL)

I received emails that a Chime account was opened in my name last night around midnight while I was asleep. I investigated, and the phone number put on the account was not my phone number, but the email address and name was. When I attempted to change the password on the account to see what it was, the temporary password was sent to the phone number that was originally put in, which is not my number. I spoke with Chime, and could not get the issue resolved. I am not sure exactly what kind of account was opened, but it was in my name and I did not open it.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: United Revenue Corporation (TX)

This complaint is to formally advise you that I believe your company has violated my consumer rights in the following ways. Please keep in mind that this is my second letter and I have had no correspondence back from your company in over XXXX days. Specifically you : - Failed to validate a debt at my request- FDCPA violation - Continued to report a disputed debt to the CRA- FCRA violation XXXX Continued to attempt to collect a disputed debt- FDCPA violation - Ignored my cease and desist- FDCPA violation - Provide proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Continued reporting of a medical collection {$500.00} or less -Provide me of the amount of which the debt was purchased. Per the CFPB, I have this right as a consumer. -Provide contract bearing my personal signature -License proof to collect debts in my state Not only have you ignored my prior requests for validation of debt, but you also continue to report this debt to the credit bureaus causing damage to my character. This debt is uncollectible per the statute of limitations in the state of Texas. As you certainly are aware, " Admission by Silence '' means that you had a legal duty to defend your position but failed to do so and if my claims were untrue, you would have been compelled to deny my charges. I will use the Admission by Silence in my defense should I be summoned to court or take action against you. I expect the account XXXX to be removed from my credit report within XXXX days of this complaint.
Consumer complaint received 2024-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc (GA)

SYNERGETIC COMMUNICATIONS is a debt collector who is trying to collect a disputed debt that XXXX XXXX and ir says is mine. They are trying to bill me for repairs to an air conditioning system that is 1. Under Warranty and 2. Has faulty XXXX parts that they chose to install. We are disputing the validity of this debt and demanding that our credit rating be corrected. FURTHERMORE, SYNERGETIC COMMUNICATIONS has negatively affected our credit rating without any written or telephone communications to try to collect.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Acceptance Corporation (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-06-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (MD)

AmSher Collection Services , Inc. requires written information to be sent to them to verify that a medical debt is paid but has posted an invalid email address so you are not able to submit the information to them. AmSher Collections Services and XXXX XXXX XXXX have sent me bills repeatedly for XXXX XXXX I paid for on XX/XX/year>. I have received verbal confirmation from XXXX XXXX XXXX customer service multiple times that the amount has been paid but they have now sent debt collection and I am unable to to email the written documentation showing the amount is paid. XXXX XXXX XXXX representatives have also said multiple times on the phone they have noted on my account that the bill is paid but now they have sent debt collection after me.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. Please remove the following information from my credit report immediately XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Consumer complaint received 2024-06-10
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Columbia Debt Recovery LLC DBA GENESIS bought a debt from XXXX XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX for the amount of information {$800.00}. I sent them an email on XXXX XX/XX/XXXX requesting a copy of the original debt with my signature stating that interest would accrue if my debt wasnt settled and they were unable to provide that to me and continue to illegally charge me interest. The last update on my credit report updated on XXXX XXXX shows the amount {$880.00}. My last email communication with this company is stated below " This paperwork is not what i asked for. I asked for the original debt stating interest would accrue.I have a copy of the original chargesowed to XXXX XXXXXXXX XXXX XXXX XXXXAND NO INTEREST IS MENTIONED OR CALCULATED. Also, thecopy you attached is inconsistent with what I initially received. Theapartment debt doesnt match the original debt I received from XXXXXXXX XXXX XXXX XXXX becausethe amountsyou providedare inconsistent with the original amounts. In light of thisI would like to dispute this debt because XXXX Texas Debt Collection Act and the Texas DeceptiveTrade Practices/Consumer Protection Act and Iwill alsodispute it directly with the Attorney General. Thank you for NOTprovidingme withthe information requested. ''
Consumer complaint received 2024-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

This has been on my credit report for years and I have tried over and over and over to dispute it and it keeps coming back and it's not removed off of my account I don't know what else to do I am at my wit 's end this is not my debt I'm not going to pay on something that I don't know and I haven't had any credit cards for 20 years so I don't know where this is coming from. I have disputed it several times and it's not nothing 's happening so I need it removed because I can not do anything with the credit the way it is. 
There are two accounts!!!!! One for {$450.00} and {$170.00}