davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-17
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Offices of Jennifer McCoy, PC (TN)

This agency has failed to provide any proof that they have the right to collect this alleged debt. This company can not provide proof that the own or the the legal right to collect this alleged debt. Ive requested proof that they are legally allowed to collect this debt, nothing has been provided. I also requested proof the I was given proper notice again nothing has been provided. This agency doesnt have the right to have accessed or have access to my personal information. I have no knowledge of this company, have not done any business with this company but they claim I owe them money but have failed to proof so, by failing to provide any sign legal documentations from me/consumer or original creditor. This company also identified themselves as debt collectors, but in previous dispute when asked for proof of purchase claim to be lawyers. This is both misleading and deceptive practices. Under the fair credit reporting act any company that regularly attempts to collect debts is a debt collector and must provide proof of purchase upon request which this company can not provide. 
Upon request debt collectors must also provide proof of proper notification which this company has also failed to provide and can not provide because such communication did happen Without this information I can not confirm that this company have the legal right to even pursue collecting this alleged debt. This company also continues to report this alleged debt to my consumer credit report without providing this information which is another violation of my consumer rights.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: VEROS CREDIT, LLC. (CA)

Under Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I, i request you investigate the source of these accounts and ascertain that the creditor had a permissible purpose. because this was not me Loan says I am a " co signer '' never signed off on this. 
want to REMOVE myself
Consumer complaint received 2024-02-13
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Oliver Adjustment Co. (WI)

On XX/XX/2024 Oliver ADJUSTMENT CO is reporting that I owe XXXX. This companys are reporting that I owe them those balances. I need the audit trial of the balance. Also I need them to provide me with the agreement that grants them to collect this allege debt. Also provide with the master bill of sale Also on XX/XX/2024 ADJUSTMENT CO is reporting that I owe XXXX.
Consumer complaint received 2024-01-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (CA)

In XX/XX/XXXX the companies were unable to validate the alleged debt reported to consumer reporting agencies with any endorsed contract between the consumer and original creditor. Which prompted the remittance of the following notice the next month : Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal and nonverbal per 15 USC 6802. Promptly delete my information from all your reports submitted to third parties in compliance with the Privacy Act of 1974.
Consumer complaint received 2023-07-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (AZ)

Group ID : XXXX Payment Amount : {$360.00} Payment Effective Date : XX/XX/2023 Date Payment Authorized : XX/XX/2023 Above is from the email confirmation from Nelnet regarding an online payment. I made a payment on XX/XX/2023 to loan account XXXX For approximately 20 days and 2 phone calls to Nelnet Customer Service regarding why the payment has disappeared from their website. No record of the payment exists on their site, but I have bank statements of the money being taken out of my checking account posting on XX/XX/2023. With an email confirmation as well. 

Today on XX/XX/2023 I checked and found the payment incorrectly applied to the wrong loan, in this case loan account XXXX. They are misappropriating my payments to the incorrect loan in their care. My goal with this payment is to payoff interest accrued on my loan account XXXX. They make this impossible. 

I will contact customer service for a 3rd time regarding this payment over the span of 27 days since I scheduled the payment. 

It is very difficult to pay back loans if I have no control over my payments.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AmeriCollect (IL)

I sent out a Debt validation letter to XXXX  XXXX XXXX XXXX XXXX XXXX WI XXXX On XX/XX/2023 I sent out a Debt Validation letter by XXXX XXXX mail with return receipt that was received and signed for on XX/XX/2023 by a XXXX XXXX ( Agent ) of XXXX  to validate an account that is reporting on my credit report and I received NO RESPONSE as of this day XX/XX/2023. This account is currently reporting negatively on my credit report as of now. According to the FDCPA this is a violation and I would like a complaint to be filed also have the situation remedied in a timely manner.
Consumer complaint received 2024-01-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources (FL)

First Point Collection Resources , Inc . Sent a debt collection for an insurance policy that was never started. I spoke with our Agent XXXX XXXX who created the XXXX XXXX XXXX policy. He said scammers stole the policy information and submitted it as a debt. He's not sure how to resolve issue but he would not pay. I informed the agency of issue they claim their client is XXXX XXXX XXXX and the balance is owed. I told them we are not paying because we don't owe. The cancelled/returned payment ( balance of debt ) was due to another new policy being started. The policy in question was never used or started. I'm not sure if Collection agency is fraudulent or client is fraudulent. But this debt is fraudulent claim.
Consumer complaint received 2023-07-17
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)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2023-07-17
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 auto loan account with XXXX XXXX has violated my rights. Section 602 of 15 USC 1681 establishes my right to privacy. Additionally, Section 604A ( 2 ) stipulates that a consumer reporting agency can not furnish an account without my written instructions. Furthermore, under 15 USC 1666B, a creditor may not treat a payment on an auto loan account as late for any purpose under an open-end consumer credit plan. 
In addition to the previous information, it is important to note that my request sent in XX/XX/2023 to the credit bureaus via USPS certified mail, regarding the correction of errors in my personal information and disputes, was never answered. This failure to respond violates the provisions of the Fair Credit Reporting Act, specifically Section 611 ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies must promptly investigate and correct inaccurate or incomplete information upon receiving a consumer 's dispute. The credit bureaus ' non-response is a clear violation of this legal requirement.
Consumer complaint received 2023-07-17
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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credence Resource Management, LLC (NV)

I settled two accounts that were in collections, paid in full and neither account has been removed from my credit report. 

On XX/XX/2023 I paid {$120.00} to Credence to pay the remaining balance on the account in full. the account status has not been changed or updated to reflect the agreement we made upon payment to remove the account from my credit report. 

I also settled to pay XXXX XXXX XXXX {$200.00}, that I paid in full. The account status has not been changed or updated to reflect the agreement we made upon payment to remove the account from my credit report.
Consumer complaint received 2023-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I cancelled a purchase with XXXX and the XXXX stated they could not find the transaction. I was instructed by Bank of America to allow the charge to process before filing a dispute. I then went on to file a dispute with Bank of America. Bank of America gave me a temporary credit pending the investigation, and now they are revoking that credit after their investigation. I have proof showing the XXXX purchase price was taken from my account and that Bank of America has not done their due diligence to investigate this claim.
Consumer complaint received 2023-05-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (MO)

On XX/XX/XXXX I purchased a film through Google TV. It did not load into my library and we could not watch it. I called Google support and spoke with a gentleman who advised me to purchase the full again through XXXX and he would refund me through Google TV. I did as I was advised and I never received the refund for the original purchase. I've had multiple contacts in the last month trying to resolve the issue and today I was notified that they will not refund me.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

After discovering being a victim of fraud I began to fix my credit this year aroun XXXX. I began with all three reports via XXXX shortly after noticing so many incorrections, I began to send out letter to all three bureaus. Although some removals were made there are still inaccuracies being reported therefore not allowing me to attain credit necessary both personally and professionally.
Consumer complaint received 2024-01-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (TN)

I've contacted Southwest Credit Bureau on multiple occasions through phone and via email. I filed a dispute with them on XX/XX/XXXX XXXX  about an incorrect XXXX  balance that's been put into my collections after a not updated balance from a payment i made through the last collections agency called XXXX. The last company unknowingly ended my payment arrangement without any reasoning i contacted that company as well and they gave me unclear answers as to why. I've made that dispute back in XX/XX/XXXX. I as well contacted XXXX customer care to inform them on everything and they investigated and had it removed from my collections. Now its came back around a year later with no updated balance to what's been already paid. I'm just trying to get this balanced disputed and removed from collections once again because its incorrect. Document has already been submitted to the email XXXX and XXXX swcgroup.com
Consumer complaint received 2023-10-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (FL)

I have gave ALL parties XXXX chances to cure. I have requested info on the investigation, also proof of my wet signature on the contract stating I would pay the alleged debt, also ask for not just verified. This account have been removed twice and Wells fargo dealer services continue to furnish account without sending me communication. 15 USC 1692. Following parties have violated my rights and with the help of the CFPB I will seek damages. I demand account be deleted IMMEDIATELY!! Please see attachment 18 USC 8
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (MD)

I am writing to express my serious concerns regarding the handling and distribution of my personal information by XXXX, XXXX, and XXXX, in conjunction with XXXX XXXX and Macys. My complaint is grounded in the obligations set forth by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( a ) ( 4 ), which underscores the necessity for consumer reporting agencies to operate with fairness, impartiality, and a profound respect for consumer privacy. ( a ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

It has come to my attention that my personal and financial data has been shared without my explicit consent, in direct violation of the principles outlined in 15 U.S.C. 6801. This section clearly states that financial institutions hold a continuous responsibility to uphold their customers privacy and the confidentiality of their nonpublic personal information. Given that XXXX XXXX and Macys operates as a financial institution within the interpretation of this statute, they, alongside the consumer reporting agencies, are required to adhere to these guidelines. 

Further to this, 15 U.S.C. 1681b sets forth the permissible circumstances under which my consumer report may be furnished. It is explicitly stated that consumer reports can only be distributed in adherence to the written instructions of the consumer to whom it relates. I have not provided such permissionin written or any other formto XXXX, XXXX, XXXX, or XXXX XXXX and Macys. Accordingly, I hereby revoke any presumed consent for the distribution of my information, irrespective of its form. 

Additionally, 15 U.S.C. 1681a ( 5 ) forbids consumer reporting agencies from disclosing adverse information older than seven years, further ensuring the protection of consumer rights to privacy. My complaint also highlights a failure in complying with 15 U.S.C. 6802 ( b ) ( c ), which mandates that a financial institution must inform consumers of their right to opt out of nonpublic personal information disclosure. XXXX XXXX and Macys has notably failed to provide such information, denying me the opportunity to exercise my nondisclosure rights. 

In accordance with 12 CFR 1016.7, I am exercising my right to opt-out of your reporting services effectively immediately. I insist on a prompt review and rectification of these issues, aligning with the stipulations and the spirit of the Fair Credit Reporting Act and related statutes concerning consumer rights and privacy.
Consumer complaint received 2023-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (FL)

ON MY ACCOUNT THERE WAS A NAME BY XXXX XXXX WAS ADDED TO MY ACCOUNT WITH OUT MY CONSENT ALSO THERE WAS CHARGES RACKED TO MY ACCOUNT AND I DID NOT ADD THEM TO MY ACCOUNT IM TRYING TO WORK WITH THE BANK TO REMOVE THE NAME AND FIX THE AMOUNT ON THE ACCOUNT ON {$20000.00} IN CHARGES WE DID NOT MAKE ON THE ACCOUNT IT ALL WAS MADE BY FRAUD PERSON AND WANT EVERYTHING TO BE REMOVED FROM THE ACCOUNT. THANK YOU
Consumer complaint received 2023-10-23
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Propel, Inc. (WI)

Multiples {$5.00} transactions from XXXX XXXX  that were made on my account not by me totaling {$77.00} between XXXX XXXX  and XXXX XXXX  in the XXXX  I reported it they did a 19 day investigation and never returned the funds said they found nothing wrong yet they werent my charges
Consumer complaint received 2024-05-18
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: SANTANDER HOLDINGS USA, INC. (NY)

On XX/XX/24 i went to a XXXX dealership to lease a new car. I was told a specific bank was going to be my lender then i started to get emails from all these banks that ran my credit, XXXX total!!! 
here are the names : XXXX XXXX XXXX XXXX XXXX XXXX Santander XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I never authorize any of these banks to get a copy of my credit.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I reviewed my consumer reports and noticed that I had two late payments on the below accounts that I was never late for. 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 that are listed below. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. Thanks...

If, any reinvestigation under paragraph ( 1 ) of any information distributed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall...

( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: U.S. BANCORP (CO)

Im writing about the following data that appears on my credit report. Im challenging the validity of this record showing a debt that is recorded in your system under the FCRA, Fair Credit Reporting Act, Section 609. I am asking you to remove this record. If you can not remove this record, I request you remove this data from my account immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US BANK XXXX XXXX I want this deletion from my report 3 bureaus.
Consumer complaint received 2024-02-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc. (OH)

I sent the sum of {$650.00} to a relative in XXXX on the XXXX of XX/XX/year>, and received a reply that the money has been deposited in her account. My relative later verified that no money was deposited. I called SENDWAVE, several times and they told me that their system had an issues, and assured me that my recipient will receive the money the next hour. This never happened, at one point they told me that the money went to her XXXX account, and never made it to her dollar account. They requested for her XXXX bank statements for both her XXXX account and XXXX account which I forwarded to them, but still no response. I have called them multiple times, and got no response.
Consumer complaint received 2024-01-08
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Radius Global Solutions LLC (OR)

I have been receiving relentless robocalls from a collection agency for a payday loan that they claim I took. I have not taken one in many years. I did call the company back one time and they refused to identify who they were and they refused to send proof of the debt when I requested. They state that they have sent the proof to my email and physical address, however, when I informed them that I have not received any letters they still refused to resend. I confirmed that they had the correct email and physical address. They call multiple times per day and each call is a robocall. I told them if they are not going to validate the deby I will not pay it and to stop calling me and they have refused to stop calling me. I tried looking up their phone number and I can not find the name of the company. The numbers they call from appear to be spoofed but the call from XXXX, XXXX, XXXX, XXXX, XXXX XXXXThe calls of shown up on my caller ID as Radius Global and XXXX XXXX XXXX  but I am not sure how accurate either is.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (GA)

There are several inaccurate accounts on my credit report that I have tried to address with the actual creditor, collection agency, and credit bureau they have ALL failed to provide me with the requested information. I am now seeking to summon them ALL to small claims court to assist with rectifying the situation. I have asked them numerous times and they have ALL stated that they have verified this account belongs to me without providing proof as requested. This is causing me great stress and if this is not fixed asap, I will be suing ALL.