davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (GA)

Re : XXXX and XXXX Notice I am putting in this complaint to formally demand that the company below cease all communication and activities related to the alleged debt under the account number as referenced in the correspondence from XX/XX/2022, to the present day. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX, XXXX I dispute the validity of the claimed debt following the submission of my presentment on or around the date of XX/XX/2022, which included debt instruments and instructions for the setoff, settlement, and closure of the mentioned accounts. Despite my repeated requests to validate the debt through an affidavit under full commercial liability, the company has failed to respond to these inquiries. 

The persistent and unwarranted communication from these companies has caused me considerable humiliation, emotional distress, and other private and/or commercial damages. I believe these actions violate the Fair Debt Collections Practices Act, specifically 15 U.S.C. 1692 ( c ), and constitute a breach of your fiduciary duties as a trustee.

I hereby demand that these companies cease all activities related to this debt within fifteen ( 15 ) days from the date of your receipt of this notice. This includes the removal of any reference to this account from your records, the discontinuation and retraction of any reports to credit reporting bureaus, and the cessation of all communication with me. 

Failure to comply with this demand within the specified time frame will leave me with no alternative but to pursue appropriate legal action against these companies to protect my rights.
Consumer complaint received 2023-12-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (TX)

I am writing in response to the debt collection notice I received from your company regarding the alleged debt that you claim I owe. I am requesting that you provide me with validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ). 

EASTERNACCOS ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2024-01-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (TX)

I called the debt collection agency and explained the account was not opened by me and explained how I was positive of the fact. Also informed her that at the time the account was opened I was fully insured and that would have paid any medical bill. Proceded to get any and all information they had that I opened the account and was told I needed to pay {$1.00} so they could access all three credit agencies to see if there was any information that was inaccurate or was different than what they had.
Consumer complaint received 2022-12-06
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. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2023-12-14
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (IN)

Despite multiple CFPB complaints citing REAL laws, cease and desist orders, and identity theft reports, This company continues to email me and send me mail for a debt that is NOT MINE. 

I have proven per previous complains that the debt is not mine and that they are in violation of my rights as a consumer. 

The accounts are to be removed immediately and i want restitution for the damaged caused to my credit, being in non-compliance, and for the mental and financial stress this has put on myself and my family. 

My home currently has no heat and i have XXXX kids to take care of because i am unable to access credit that is rightfully mine thanks to the inaccurate reporting and NON-COMPLIANCE of this company. 

Negligence of the law is no excuse for your actions. 

Find the previous CFPB complaints. I'm not doing any more of your work for you.
Consumer complaint received 2023-11-22
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: EQUIFAX, INC. (TX)

I've Request By Phone, Mail and via the Online portal my updated credit report and haven't received anything from the Equifax, this gives proof that this credit reporting agency isnt reporting accurate information to my consumer report. This request is over 30 days old and i have yet to receive anything in writing sent to my address regrading my consumer credit file
Consumer complaint received 2023-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: TRUIST FINANCIAL CORPORATION (GA)

Our mortgage are consistently late. This month we received our statement on XX/XX/XXXX and we put the check in the mail day. We also called truist and informed them of it. We have called them multiple times about this issue. When we got XX/XX/XXXX statement we saw that they had processed the payment on XX/XX/XXXX making our payment one day late payments are actually die on the XX/XX/XXXX and late by the XX/XX/XXXX. So now they are charging us {$50.00} late fee even though it is their fault and they were informed of the situation they said that they were unable to reverse the late fee and they had to turn it over to a supervisor and they would call back. We have called and called. They keep saying that they will call us back but we have yet to receive a call.
Consumer complaint received 2024-01-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2024-01-27
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (NC)

Arbitrarily and capriciously, and with no legal permissible reason for any denial - especially since the Discover supervisor said not even a soft credit pull is even done- just that my payment history is reviewed - I was inexplicably denied for a credit line increase. Thus, the only reason Discover denied my credit line increase for a I am just of the wrong race- since I have never been late or had any interest charges with Discover credit card. Discovers arbitrary and capricious business practices and refusing to give any reason for denial makes me feel sub human. I am very close to ending my relationship with Discover credit card because of unethical business practices by the bank.
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XXXX XXXX XXXX, I withdrew {$5000.00} in cash from my XXXX XXXX XXXX. I walked over to Chase bank and deposited {$4900.00} in cash. The deposit was all {$100.00} to Chases ATM located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX I initially deposited {$5000.00} but one of the {$100.00} bills was returned because it was cut. I went into the branch to change the {$100.00} bill but the line was too long so I went back to XXXXXXXX XXXX and changed the bill. I went on vacation to XXXX XXXX XXXX XXXX XXXX XXXX. While on vacation, I checked my account and the deposit was not reflected in my account. I texted Chase through their banking app and finally got a number to speak with a claims rep. I spoke with 2 reps. On XXXX XXXX XXXX, the final rep I spoke with told me I would get a {$4900.00} credit in 24hours. On XXXX XXXX XXXX  the deposit is still not reflected in my account. The only written correspondence is a letter denying my claim. I just spoke with Chase, asked about the denial letter. The response was the claim has been escalated internally with notes. I asked for a letter amending the denial letter. To that I was told we dont do that. The final decision will be made on XXXX XXXX XXXX
Consumer complaint received 2024-01-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

XXXX and the loan servicer ECSI have made it almost impossible to understand and appropriately pay back my XXXX loan. XXXX shifts blame to ECSI at any possible time for issues while having full control of the process. ECSI equally shifts blame back to XXXX and does not transfer you to the right person you need to talk to for XXXX loans. Getting in touch with a loan servicer at XXXX is extremely stressful and often requires calling upwards of XXXX times to get in touch with the correct person. 

For payment due XX/XX/XXXX, I received my bill from ECSI on XX/XX/XXXX. This is unacceptable as if I had not remembered on my own to pay ECSI I would have had a late payment penalty on my credit score. 

ECSI 's online system does not allow you to pay the amount due. I was making monthly interest payments of {$89.00}, yet when I would go to pay online, the only amount it would let me pay was the " full payoff amount '' of {$500.00}. When I called to ask about this, the phone rep said there is a problem with their system that they are working on. It has been a problem since XXXX when I XXXX XXXX XXXX. It seems that at every step of the way they make it as intentionally confusing and obfuscated as to how to pay back the loan, and what amount to pay.
Consumer complaint received 2024-01-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (NY)

this debt collector engaged in abusive deceptive and unfair practices of FDCPA which is prohibited. They furnished this accounts that we didn't agree upon and i didn't sign an agreement on. A legal contract is signed by two parties and i didn't participate in any of it more so they didn't follow the proper 5 step validation procedure which makes this unfair practice.According ti the fdcpa im entitled to XXXX dollars per violation and clearly the violated my rights
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

These are fraudulent inquiries 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information. in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4. Months Bye law these shouldn't be on my credit report I did not authorize these companies to use my credit
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (MI)

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for and purpose.
Consumer complaint received 2023-04-20
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: Experian Information Solutions Inc. (GA)

There is some information that's on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block the information is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of factory me relevant to the request block the identified transactions.The identified transactions are not information related to any transactions by me as the consumer. 


See Attachment
Consumer complaint received 2022-10-27
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: Experian Information Solutions Inc. (TX)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : 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 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 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 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 2023-10-06
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: EQUIFAX, INC. (KS)

On XX/XX/2022 someone used my information to apply for a credit card with XXXX XXXX and XXXX. I disputed that inquiry through XXXX XXXX To this day it is still showing on my Equifax report, which of course has a lower score than it should due to this. I have never applied for nor had any interest in a credit card.
Consumer complaint received 2023-12-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westcreek Financial (AZ)

I received a loan to cover a mechanic bill. I am trying to pay off loan sooner since they are debited automatic payments. I have tried over 10x to access their loan portal with no luck. I can not access my loan statement or payoff information. They said they can not mail me a statement or email me a statement since they are a paperless company. I have called them 5x and I still can not get into my online portal.
Consumer complaint received 2024-01-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (SC)

I WAS SERVED WITH PAPERWORK THAT IS HAVING ME TO COME TO COURT THREATENING A JUDGEMENT FOR THE FUNDS THEY SAY IS OWED. I THEN RESPONDED TO THE PAPERWORK WITH THE COURTS AND ASKED FOR ADDITIONAL INFORMATION THAT SHOWS THAT I AM RESPONSIBLE FOR THE DEBT ANY SIGNATURES ITEMIZED BILLING ANYTHING THAT WOULD STATE THAT I WAS INDEED RESPONSIBLE FOR THIS DEBT. I ADVISED THE COURTS THAT I HAD FILED FOR IDENTITY THEFT BACK IN XXXX AND THAT THIS MAY BE A RESULT OF THAT FORMER COMPLAILNT
Consumer complaint received 2024-04-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (MI)

Regarding Vemno ( paypal service ) - {$100.00} sits XXXX in their possession citing " suspicious activity '' they asked me to upload documents and I did immediately and their automatic email said I would receive correspondence within XXXX hours time. I did not receive the correspondence. I finally called to speak with representative and she was extremely rude at XXXX point even went silent for approximately XXXX minutes ignoring any questions I had. After being told from the automatic email it would be XXXX hours. The phone representative stated it could be up to XXXX business days. Originally found the account was frozen XX/XX/2024 from a customer saying they were unable to pay to my account. I made contact with the phone representative XX/XX/2024 approximately the XXXX hours I was told to wait and did not hear anything back. I requested to close my account and receive my balance which I was denied.
Consumer complaint received 2023-04-19
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. (NC)

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2023-05-24
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. (GA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (PA)

On XX/XX/2024 I received an email sent to XXXX informing me a checking account had been opened with Chime. I have since received XXXX additional emails informing me a debit card was mailed out, and asking me to activate the debit card. 

I never opened an account with Chime, never gave any authorization for this account to be opened, and when I contacted Chime via phone the rep would not help me.
Consumer complaint received 2023-12-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

On XXXX XX/XX/XXXX  I was scammed out of {$800.00} in total through the Zelle app. I was attempting to sell a desktop computer through XXXX XXXX. A scammer posing as a middle-aged lady expressed interest in the computer, and led me to believe that I had to pay refundable fees so that I could upgrade to a 'business account ' in order to accept the original payment of {$1000.00}. I received several phishing emails from XXXX ' promising that my money would be returned. I am out {$800.00} dollars and have been denied help by both my bank ( XXXX ) and Zelle. I am XXXX and on SSI, and {$800.00} is more than I receive in a month. I believe I have been taken advantage of and am incredulous at the lack of support from this company.
Consumer complaint received 2023-12-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (PA)

On XX/XX/, due to being ignorant of the law, I signed the Contract where I, XXXX : XXXX, financed a vehicle for personal, family, and household purposesunbeknownst to the deceitful practices occurring that I was getting myself into. 

I have been made aware of the laws described herein my complaint and notice of rescission attached, bringing attention to the violations committed by XXXX XXXX XXXX, XXXX ( XXXX ) and BRIDGECREST ACCEPTANCE CORPORATION ( BRIDGECREST ) to rescind only the illegal parts of this contract.