davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-30
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Revco Management, LLC (OH)

On XX/XX/XXXX, I received a notification of an outstanding collection account on my credit report. I proactively contacted the Collection Agency in writing via USPS and requested information about this debt and the company, which they provided. 

In this letter, I specifically stated : " You can contact me about this debt going forward, but only via USPS or email. Do not contact me about this debt in any other way, or at any other place or time. It is inconvenient to be contacted except as I have authorized. You may not contact my friends or family members in any way whatsoever concerning any accounts in my name. You can only contact me via mail at the address listed above or via email at XXXX. 

Please note that my employer prohibits me from receiving personal or business-related communications like this at work. '' They have yet to contact me via email, and I am now receiving texts and calls as of XX/XX/XXXX. 

Despite having received and responded to a letter that very plainly instructed them NOT to do so, their repeated calls and texts are harassment, and I will NOT stand for it. I want this agency held accountable for its illegal collection activities.
Consumer complaint received 2024-04-08
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AZ)

My husband and I had a month-to-month tenancy at an apartment complex. The apartment mistakenly believed we had a one year lease. We cleared this up with the apartment complex when giving our notice. They informed us that their systems were down so they could not revise the lease end date on file until their systems came back up, but that they would do so. They gave the amount of our final prorated rent, and we paid in full. 
About seven months later, we received a move-out bill from the apartment complex for the incorrect end date that they originally had on file. I called and spoke to them on the phone and via email, where they told me ( and I have a record of this ), that they made a mistake and they are diligently working to correct the problem. 
Instead of correcting the problem, the sent the " debt '' to a collections company. I immediately disputed the debt, by following all of the instructions I received from the collections company. I sent them a DISPUTE OF DEBT AND VALIDATION DEMAND PURSUANT TO 15 U.S.C. 1692. 
They never responded to my dispute or validation demand. They did, however, continue to call

me. On one occasion I let the representative know that I sent a validation demand and they can not call me without verifying the debt. He refused to do so and they continued to call me. On another occasion they called me to let me know t
hat they hit my credit report. I told them they can not do that because they have not verified the debt. They claimed they are a professional company and will send me verification of the debt by the next business day. This was at the end of XXXX. 
They have not called me since then, but I did verify that they did hit my credit report as well as my husband 's credit report. 
I do not owe this debt. This debt does not exist and was created due to a mistake from an apartment complex we lived in two years ago ( our move out was XX/XX/year> ). They have failed to provide any sort of verification of the debt, yet they hit our credit report any way.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

XXXX XXXX XXXX breached the terms and conditions and violated my privacy pertaining to a checking account that I opened with them by sharing my non public information and information pertaining to my account with a third-party company by the name of ChexSystems without my pior consent. This breach is not only a violation to the terms and conditions that I signed at the opening of the account but is also a violation to 15 U.S.C 6801 and 15 U.S.C 6802.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Williams & Fudge, Inc (SC)

There are 2 companies in which I never had accounts with reporting information on my credit report. I contacted the credit reporting agencies via phone to let them know and was told to contact these companies. 

I attempted to send a notification to this company and let them know of this inaccurate information but when I went to the XXXX to send certified mail I was informed that these addresses can not be found in order to be delivered. These addresses are reporting on my credit report and they are not real addresses and I want this information removed immediately.
Consumer complaint received 2023-03-14
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXXXXXX XXXX acct # XXXX has violated my rights. 
XXXX XXXX  acct # XXXX has violated my rights. 
XXXX XXXX acct XXXX XXXX has violated my rights. 
XXXX  acct XXXX XXXX has violated my rights. 
XXXX XXXX XXXX acct # XXXX has violated my rights. 
XXXX XXXX  acct # XXXX has violated my rights. 
XXXX XXXX XXXX acct # XXXX has violated my rights. 

15 U S C 1681 Section 602 A States that I have a 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.
Consumer complaint received 2024-02-08
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Auto Credit of Virginia Inc. (VA)

Auto Credit of Va is running a scam. I missed XXXX payment so they put my car into reposession. This company threatend to put me in jail if i didnt give them back the car. I have made payments on this car since XX/XX/XXXX totaling XXXX for XXXX XXXX XXXX, I paid 3 times what its worth. All i want to do is finish paying the loan for {$4600.00}. They want my car back to resell it again for another outrages Price. I put my heart and soul in this car. The contract i walked out with wasnt mine. It was my car signed by someonelse. I don't believe they have a contract with my name on it and my signature and the XXXX XXXX so this is all questionable. They know they made a mistake and they are trying to fix it the wrong way.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Luckmore Finance (LA)

I've requested this lender to stop reapplying this debt on my credit, it's over 10 years old and was declared in a bankruptcy and dismissed. They continue to put it on my report by changing the date that the last payment was made, and keep running my credit with a hard inquire of my credit 2 or 3 times a year on all 3 agencies. They have done this several years in a row. They updated the report as updated on XX/XX/2023 when nothing has been done on this account other than a dismissed bankruptcy in XXXX of XXXX  and they were notified in XX/XX/2023, after notice they reapplied the debt on my report and did a hard inquiry on my credit with all 3 major credit agencies.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates. I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. Late payments are being reported after the account was closed. This is a fcra violation and you can be fined up to {$1000.00}. Update immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to please delete the following information from my file. the items i needed are listed in the reported, i am a victim of identity theft and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commision affidavit please deleted the items as soon as posible thank you
Consumer complaint received 2024-02-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (VA)

I have repeatedly over the course of many months requested a copy of the Purchase Agreement showing that LVNV Funding purchased the alleged debt from XXXX XXXX and has the legal authority to collect on it. 

LVNV and Resurgent repeatedly misrepresent " verification '' in their unlawful responses ( including those to the CFPB ) by simply sending laser printed copies of " statements '' and XXXX XXXX XXXX allegedly from the account. 

This is not what I have requested. This is also not legal " verification '' of the debt. 

What I have requested ( and what I am entitled to ) is the legal Purchase Agreement to prove to me they have the right to enforce and collect this alleged debt. I wish to see proof they own the account, and review the terms of that Purchase Agreement, to ensure they are using accurate information in their currently unlawful practices. 

I RENEW MY DEMAND FOR A COPY OF THE PURCHASE AGREEMENT. They understand exactly what I am asking for. Yet the falsely pretend to be responsive to the CFPB by claiming they previously sent " verification '' to me. They have not sent any proof they own this account and have any legal standing to collect upon it. 

PLEASE DO NOT LET THIS COMPANY CLOSE THIS CASE AGAIN WITHOUT PROVIDING THE ACTUAL PURCHASE AGREEMENT REFERENCED ABOVE. 

I predict they will again mislead the CFPB unlawfully by claiming they have already " verified '' the debt with simple copies of statements, etc. This does not meet the legal standard to prove they own the debt. They continue to MISLEAD THE CFPB, and many consumers like me with falsified replies that fail to address the VERY SIMPLE REQUEST FOR THEIR PURCHASE AGREEMENT. 

Their ongoing fraud is a direct violation of the FCRA and FDCPA. 

I will continue to complain about this company until such time as they send me a copy of their legal Purchase Agreement. Until they prove their ownership of the debt, their negative credit reporting remains illegal and their illegal practices should be investigated. They knowingly engage in this type of fraud routinely as the victimize many consumers. 

I grant them permission to contact me if they wish for the limited purpose of assisting me in obtaining their Purchase Agreement and deleting their wrongful reporting from my credit reports. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-11
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. (NY)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2024-02-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (SC)

My loan organized in 2019 with us auto sales. My loan was transferred to Westlake financial XXXX. I have been charges fees per my original contract in for services I have not used. I do have all documents from my original contract. I can email original documents.
Consumer complaint received 2024-02-08
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. ()

According to Fair Credit Reporting Act 15 USC 1681 section 602, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Experian and XXXX are consumer reporting agencies that should ensure my right to privacy as a consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. Experian and XXXX do not have my consent to furnish this information and surely do not have my written consent. Any consent to Experian and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states, " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) never informed me of my right to exercise my nondisclosure option.
Consumer complaint received 2023-04-25
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: CLGF Holdco 1, LLC (MD)

Milestone is reporting two separate conflicting accounts on my XXXX, XXXX, and XXXX credit reports. One of the accounts is showing as in " good standing '' and " Paid or paying as agreed. '' The other account is reporting as " Paid account/was delinquent 90 days past due date. '' On XX/XX/2023, at XXXX XXXX XXXX, I called Milestone on the phone number listed on my credit reports for both Milestone accounts, ( XXXX ) XXXX. The customer service representative confirmed that XXXX is unable to verify that a second negative account exist under my SSN and name, and that the only account they have in their system for me is paid as agreed and in good standing with no missed payments. The customer service representative then tried to transfer me to their " charge off '' department whom was also unable to verify the existence of a negative account in my name using my SSN. I reiterated to the customer service representative that I have two accounts reporting on my credit reports with severely conflicting information. The customer service representative advised me to dispute the second negative account reported to my credit reports. I have disputed the negative Milestone account in the past with XXXX, XXXX, and XXXX, but XXXX has verified the information with the credit bureaus as accurate. How can XXXX possibly verify an account that they claim to have no record of? Milestone, XXXX, XXXX, and XXXX are violating my FCRA rights by reporting inaccurate financial information on my credit report, not notifying me of a negative account in my name, and failing to provide information regarding the negative information on my credit reports when I requested this information directly from XXXX. I want this account removed from my XXXX, XXXX, and XXXX credit reports immediately. I have attached a copy of my credit reports with both Milestone accounts listed.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I am a victim of identity theft. I have filed a police report and FTC report and sent the paperwork into the credit reporting agencies with my disputes. These disputes have not been processed correctly and I have not gotten copies of the verification process. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

The following XXXX XXXX XXXX account, with account Number XXXX has been disputed by me for the past few months, this account does not meat FCRA criteria and this company simple intends to leave it reported in my report despite my claims either because that they do not know what they are doing or because they want to create harm to me. 

First This account was closed on XX/XX/2022 however, it shows delinquent activity after closure.XXXX XXXX procedures hace allowed this since XX/XX/2022 and this has been highly detrimental to me. 

Second Delete this account for violation because notice of dispute was not entered as required within the required period of 30 days from the date my first dispute was received, persuant to section 623 of the FCRA Third How can this account be closed and yet it says I am still paying XXXX in the montly payment section? Once an account is closed, there should be no montly payment Unless the status says now paying it was canceled.
Consumer complaint received 2024-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

On XX/XX/2024, a litigation office by the name of XXXX XXXX ( as we were told by XXXX XXXX from that office ) called my employer. When my employer did not answer, they sent a text message saying that they were going to put a lien on my bank and garnish my wages. They also called my employer several times before this, and also called my wife and daughter on separate occasions. I called this litigation office back to try to figure out what they are calling about and why they keep calling everyone but myself. At this point, it has become harassment. They proceeded to tell me my SSN number and would not give me any information unless I said " yes, that is me ''. XXXX then proceeded to tell me about a debt I owed and with attorney fees, legal, fees, interest, original debt and other fees, the total I owe is {$3600.00}. They said I could settle for {$1200.00}. I asked what this was for, who the original debtor is, and the original debt owed without any interest and fees. I was told this was for a XXXX 'XXXX XXXX XXXX XXXX  financed by HSBC XXXX XXXX, and the original debt was {$650.00}. They said they sent letters to our home address and my employers address but they never received a response from us. That is because we never received anything in the mail, at either address. My wife was on the phone with me and she asked them to provide copies of the letters they sent to us since we had not receive any communication from this office and verification that the debt owed was for HSBC Household Bank. They denied to send us any documentation stating that HSBC XXXX XXXX hired them to collect the debt, and since HSBC XXXX XXXX  is their client, they can not provide us with any documentation. That was an immediate red flag for us. They asked me for my email address so they could email me a settlement letter, and gave us until XXXX on XX/XX/2024 to counter an offer. They originally stated that they needed a counter offer tonight or they were going to proceed with processing the lien to my bank and garnish my wages. After we received the email, we hung up the phone. We then called HSBC XXXX XXXX to verify the debt. Both the Credit Card dept. and the Collections dept. verified that I DO NOT owe this debt. They also asked if I had anything on my credit report showing that I owe this debt and I told them I do not. My wife told me to not call the litigation office back, as this is fraudulent. We are now reporting this to the CFPB, the FTC, and our XXXX 's office to make you aware of this scam. We are still worried that the litigation office will proceed with putting a lien on my bank account and garnishing my wages. We will be calling the office of the Consumer Credit Commissioner tomorrow, XX/XX/2024, and making them aware of this situation as well.
Consumer complaint received 2024-02-07
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

The problem that is most critical to me personally are I as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of the Company, problem is that I have not yet be able to Open Bank Account in United States America since XXXX up to date my company and I does not have any Back account in U.S I have Successfully, my problem to Open Bank Account in America Bank Account has not being successful No phone number to Activate my company Account up date please I need help to be able to get International US line number SMS
Consumer complaint received 2024-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

After Bank of America closed my checking account on XX/XX/2024, due to fraud, my next electronic paycheck from XXXX was sent to my closed checking account on XX/XX/2024. XXXX re-sent the funds to my new checking account number sometime between XX/XX/XXXX - XX/XX/2024. I have the amount that was sent and a receipt from XXXX in e-mail, but Bank of America will not deposit the funds in my new checking account. I have been to the bank on numerous occasions in order to access the funds from my electronic paycheck from XXXX without success. If the money is not in my account, I am blamed for it! No one makes an effort to find the funds from my electronic paycheck that was supposed to be deposited in my new checking account. My XXXX at XXXX used to work for banks for 27 years, she understands how to send the electronic funds to my new account at the bank. My new checking account number is XXXX. The address of the bank that will not assist me with access to my paycheck is XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX.