davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

I noticed a repeated appearance of a claimed XXXX debt that I already disputed and resolved that was fraudulent in 2021 through a company called XXXX. 

I noticed this same amount, {$680.00}, showing up again as a collection account on XX/XX/XXXX without any notice, contact or otherwise. They pretended to call and sell solar equipment to verify my information, including address, home and work, and phone number, along with availability. 

This was alarming since they use a masking technique to veil their caller ID. Then suddenly Jefferson Capital Systems , LLC popped up on my credit with a collections. Their website immediately prompted payment and lawyer advertisements. 

I advised that the debt was fraudulent, not collectable, and I had to deal with this already in 2021. They never replied. 

It makes it painful on consumers when they never call, mail, email, or advise what is going on. Use seemingly illegal practices and recycle a resolved debt hoping people will pay to save their credit. It's despicable in my opinion. 

I even maintain a fraud notification on all 3 credit bureaus because of this. They could have been straightforward.
Consumer complaint received 2023-05-24
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: Experian Information Solutions Inc. (NJ)

15 U.S. Code 1681 states that if information on my consumer report isn't 100 % accurate that it should be blocked and removed from my consumer report. If XXXX XXXX XXXXXXXX is reporting information to XXXX and Experian the information should all be the same. 

On the Screenshot of my credit report that I have attached ( The Date Opened ) and ( Date Last Active ) is inaccurate. All information being reported should be the same and it isn't All XXXX parties are working together to destroy the quality of life by reporting false and damaging information to my consumer report.
Consumer complaint received 2023-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX Tried to use my ATM card at an ATM overseas in XXXX, was only able to withdraw an equivalent of XXXX USD. Any further attempts to withdraw funds would fail. I also received a fraud alert on my e-mail to which I responded that this transaction was legitimate, I received a message saying the card is now ready to use and to re-attempt the transaction. This did not help. I went back home and called the number on the back of my card and after talking to a rep and a supervisor, I was told they needed to verify my account and that they would call me back once it was done. This never happened. 
XX/XX/XXXX I called again this morning to check on the status of the verification and was told by the supervisor that I need to call them from a " verified phone number '' to resolve this and was promptly hung up. I called for the third time and explained the broken process, since there is no way I can use a so called " verified phone number '' while overseas and the first line agent seemed to be able to resolve my problem partially, she said there were two fraud alerts on my account and according to her, she helped me clear the second one, but the first one still needed to be cleared. So she transferred me over to the " account takeover '' team and then I was told again I need to call back using a " verified phone number '' and I was promptly hung up on. 

At this point I have no access to my funds from the overseas with supervisors hanging up on me. It's difficult for me to speak with someone from the branch where the account was originally open, because of the time difference. This is absolutely unacceptable to be repeatedly hung up on by employees of this company.
Consumer complaint received 2018-11-21
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. (MD)

I am writing about the bad experience I had at the XXXX XXXX XXXX  Dealership located at XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX ; On XX/XX/2018. 


While at work, I received a credit monitoring alert that my credit was ran at XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX location around XXXX XXXX XXXX XXXX XXXX. I notified the salesman of this error and he ask the Manger, XXXX if this was done. She said yes, and they would correct it. However, I would have not known of this egregious error if I have not been alerted. I call the dealership requesting an at fault letter : XXXX, dealership manager on duty said that one would be sent, but never received. That was on XX/XX/2018. Thats really concerning. She violated the Federal Fair Credit Report Act, by running my credit without my permission. They were very unconcerned with trying to correct this very important and urgent issue. 

Second complaint with XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX. My wife and I purchased two vehicles, one in XXXX and the other in XXXX. The vehicle purchased in XXXX, according to XXXX XXXX, they never received the payoff from XXXX. Because of this, my wife and I credit have been affected. Were both employees of the Federal government and maintaining good credit is a must due to our security clearances. We have worked with a different manager at the dealership, which has been more helpful than the last. My wife and I are seeking punitive damages for these reprehensible acts. I have buyer remorse. This has taken a lot out of my already busy schedule to address this. 


Since we were recommended by a friend who said that XXXX XXXX XXXX always had a good reputation, thought youd like to know you just lost a potential customer because of these poor business practices.
Consumer complaint received 2024-03-05
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Dovenmuehle Mortgage, Inc. (TX)

I fell behind my mortgage payments in XX/XX/XXXX, my job had decreased everyone 's pay due to the market dropping in my industry. In XX/XX/XXXX I submitted an application for forbearance or loan modification from Dovenmuehle Mortgage. They provided the packet and we filled out all of the paperwork. Their loss mitigation department would take XXXX business days to update our file, and at that point I would have a new paystub that needed to be uploaded. This went on for about XXXX months, me submitting the information required, and them taking XXXX business days to process my documents, only to turn around and tell me that my application was incomplete because I was missing my most recent pay stub. I spoke with a manager in the company, could never get in contact with Loss Mitigation management, and they explained that paystubs do not hold back a packet from processing, that someone doing the application on the inside would have to be holding the packet from getting submitted for other reasons. They confirmed that there was nothing else needed, and that all my information was submitted, but they were unable to process the application because they were not in Loss Mitigation. We contacted the VA for assistance and they speculated that since our property had doubled in value since purchase, it was possible that the bank was waiting for the 6 month mark to be able to foreclose on us. During this time we accrued a tremendous amount of late fees and stress. We have since caught up with payments and taken care of all missed debt on the mortgage.
Consumer complaint received 2018-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing about the bad experience I had at the XXXX XXXX XXXX Dealership located at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; On XX/XX/2018.

While at work, I received a credit monitoring alert that my credit was ran at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX  location around XXXX XXXX in the afternoon. I notified the salesman of this error and he ask the Manger,  XXXX if this was done. She said yes, and they would correct it. However, I would have not known of this egregious error if I have not been alerted. I call the dealership requesting an at fault letter : XXXX, dealership manager on duty said that one would be sent, but never received. That was on XX/XX/2018. Thats really concerning. She violated the Federal Fair Credit Report Act, by running my credit without my permission. They were very unconcerned with trying to correct this very important and urgent issue.

Second complaint with XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. My wife and I purchased two vehicles, one in XXXX  and the other in XXXX. The vehicle purchased in XXXX, according to XXXX XXXX, they never received the payoff from XXXX. Because of this, my wife and I credit have been affected. Were both employees of the Federal government and maintaining good credit is a must due to our security clearances. We have worked with a different manager at the dealership, which has been more helpful than the last. My wife and I are seeking punitive damages for these reprehensible acts. I have buyer remorse. This has taken a lot out of my already busy schedule to address this.

Since we were recommended by a friend who said that XXXX XXXX XXXX always had a good reputation, thought youd like to know you just lost a potential customer because of these poor business practices.
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: CAINE & WEINER COMPANY, INC. (IN)

I do not understand why you are still continuing to contact me and send me correspondence saying I owe you debt and you are putting an account I dont have with you in collections. I am not liable for any debt with your company and placing more derogatory remarks marks on my credit report will be in clear violation of the credit consumer laws. You sent a letter saying you are putting me in collections, I dont know if your company is not understanding or what seems to be the communication. You have failed numerous times to come forth with any signed contract between your me and your company. You are violating my rights continuously. I have told your company to cease and desist all forms of communication with me and now I am being harassed by your company. Let me state the consumer rights laws once again since you are having problems with understanding it. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1692 B ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt 15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1681 Section 604 A Section 2 it also states consumer reporting agency can not furnish a account without my written instructions 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 calls to believe the information is inaccurate.

If any derogatory remarks or collections for this company, that I have no contract with, are listed on my credit reports I will have no choice but to seek legal advice and take further action for your company breaking the law and continuing to harass me month after month. 

This will be my last time writing you about this issue.
Consumer complaint received 2018-11-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (MA)

This is a bill for XXXX  services that were performed on my spouse approximately 4-5 years ago. At that point I was in a XXXX program and we were both insured. She went to a doctor for routine preventive visit and routine XXXX  were ordered. Subsequently XXXX sent us a bill for the XXXX   for {$1200.00}. They had our insurance information and failed to bill the insurance after repeated request. I dont even have the bill anymore. When i tried to call XXXX they are asking for a bill invoice number which I dont have anymore. They sent the bill to collections and now the collection agency RMCB is repeatedly sending out a collection notice for the past 2 years. I know for a fact that my insurance would have paid that bill. I am also now unable to search for the specific insurance details for that year. I have no idea what to do or who to call and dispute this.
Consumer complaint received 2024-03-05
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Westlake Services, LLC (VA)

I've been sending my payments through via certified mail and got no response back I sent in my power of attorney as well with my tender of payments giving XXXX XXXX instruction to apply the principles balance to the principal account every month because I am the beneficiary owner of the account. I also contacted westlake and talked to a service representative and asked about the interest and equity that has incurred on the account they then escalated me up to someone in the financial department in where I was told that the contract was not equitable to me. So then later down the line I then discover gap coverage and vehicle maintenance insurance that I did not authorize then I spoke with XXXX XXXX from the product recovery department he gave me the option to opt out of it in which I did and submitted the documents back to them and was told that balance from the contracts that were canceled was gon na be applied to my principals balance but it was not because I woke up this morning on XX/XX/24 to discover the vehicle has been repossessed I called to ask why in confusion because XXXX weeks ago I was assured by XXXX XXXX that the account was into good standards and that I wouldn't be billed until the next billing cycle which was in XXXX he mentioned. I applied my social security to a application in which I was left empty handed. Also they used a third party to gain repossession of the vehicle and disclosed my information to the third party without my consent as well. They as well took my personal belongings as well as well as others items they took my id, my vehicle tags and other very personal items that are important to me they as well failed to disclose who the third party was who has repossessed the vehicle. I do intend to a file lawsuit in the us district court and I would like for This to be noted for documentation and for the purpose to try and cure the situation
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am writing to follow up my previous dispute regarding the information on my credit report that I believe is a result of identity theft. The fraudulent accounts listed do not belong to me, and I request your assistance in Investigating and resolving this matter.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (AZ)

LexisNexis has an open Case XXXX XXXXXXXX I received notice of a substantial premium increase ( more than doubled ) from my current automobile insurer. This is a new ( to me ) policy ; I was with my previous insurer for XXXX years and left over a mishandled claim. The premium increase led me to investigate and I was told that there is incorrect information being reported about me in the LexisNexis database CLUE ( Comprehensive Loss Underwriting Exchange ) which is affecting my rates. 

It has taken me almost 2 weeks to get the report from LexisNexis and it is XXXX pages which are FILLED with errors. Addresses, phone numbers, email addresses and names I have never used - but the worst part is that the information about my insurance policies is wildly inaccurate. They are showing drivers who are not on my policy as primary, and showing me as excluded. There is an insurance policy showing with a company I have never heard of and definitely never did business with. The information about my new carrier is jumbled so that even though I know what it is supposed to be, I can't figure out what they are saying. The section showing claims is just ridiculous. My last accident was in XXXX  when I was XXXX XXXX XXXX XXXX and foolishly agreed to let him pay for the damage out-of-pocket because he was such a nice guy and I felt bad for him. Live and learn. The car lost value because it was in an accident and the claim that was never supposed to be on my policy in the first place has haunted me even though it supposedly would only be reported for 7 years. There are XXXX pages in the XXXX page LexisNexis report devoted to similar inaccuracies which are clearly harming me.
Consumer complaint received 2024-03-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management (TN)

FOX COLLECTION CENTER did not address the issues in the previous complaint filed against them. There were no documents received from FOX COLLECTION CENTER. FOX COLLECTION CENTER stated " Our client has verified that this debt is valid and due. We have marked the account as disputed. '' This response is does not address the violation brought forth in the initial complaint. It is vague and they are expecting me to just go along with an answer like that. I have reason to believe FOX COLLECTION CENTER is avoiding accountability. This collection company is behaving passively regarding my complaint. Did not address the violations directly. It is obvious FOX COLLECTION CENTER is violating the FDCPA and FCRA. I did not receive any documents from this company, they are damaging my reputation and character, and they are not licensed to collect in Tennessee where I reside. I want this account removed. They have no legal right to collect debt in this state because Tennessee requires debt collectors to have licenses to collect. I have already proven that. They are practicing illegal unconstitutional behaviors. It is abusive and causing me emotional distress.
Consumer complaint received 2024-04-15
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. (GA)

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. 

Account Name : XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXXXXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (OH)

Requesting all student loans be removed from credit report per 20 USC 1232 ( g ) ( 34 CFR 99 ) ( The Privacy Act of 1974 ( FERPA ) these laws covers all the reasons for removal. Company responded the loans was sold in 2017 so this is a certificate of indebtedness so this most be removed immediately
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX