davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (IN)

I received a summons in the mail for a debt I have no clue about and so I called the number on the summons at XXXX and spoke to guy name XXXX stating that he is an attorney for XXXX XXXX XXXXXXXX XXXX., I asked him what was this letter for and he asked me to verify my address and my last four digits of my social and I asked him why. He said it is being used to collect a debt and so I advised him that I have asked before, not to be contacted anymore and that I will be filing a complaint with CFPB. I then went on to ask him what is this pertaining. He stated again that he is a 3rd party attempt to collect a debt for a credit card in the amount of {$2600.00}, so I explained to him that I never had a credit card and I also asked him if so do he have an original contract with my XXXX XXXX on the signature line stating that I have obtained credit with this agency. He stated No. That's when I asked him to be taking off the do not call list again. He stated that I need to pay them or I am going to jail.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSWORLD SYSTEMS INC (MD)

Transworld systems reported to the credit bureau that I owed XXXX {$130.00}. I disputed this with the credit bureau, however, a year has past and this error is still listed on my credit report. The most recent listings indicated that I opened the account in XXXX. I have not had a XXXX account since XXXX. I have no knowledge of owning XXXX any money.
Consumer complaint received 2018-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Sent a complaint through the XXXX  to Equifax got a message back the next day, basically refusing my request to re-investigate. 

Since the Equifax Data Breach back in XX/XX/2017. I have seen a variety of different things keep appearing on my Equifax Credit Report that I dont know where they came from. Anywhere from New Inquires, New Accounts, Fraudlaunt Applications they have came across my credit report. 

Whats weird about this whole thing is when I questioned XXXX  and XXXX  they investigated the same thing I ask Equifax to do, and their results after investigating came back with several accounts that resulted in deletion because they found IP addresses came out of another state. 

So when I ask Equifax to do the same they continue to refuse my request which should be against the law. I know they broke the law by refusing my request to reinvestigate
Consumer complaint received 2024-01-16
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: EQUIFAX, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (GA)

The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( 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 non-verbal pursuant to 15 U.S. Code 6801 6805 effective immediately and indefinitely concerning the account in question below. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation.
Consumer complaint received 2023-12-08
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: EQUIFAX, INC. (FL)

I appreciate you making an effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX
Consumer complaint received 2018-11-16
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Monarch Recovery Holdings, Inc. (IL)

I have not received any documentation about this supposed debt that I owe to this debt collection company, but they just recently called my office and left a message with my boss. They have contacted me prior and threatened to sue me but refuse to tell me what debt this is for and how much I owe. They are breaking many, many laws with their scare tactics and they're trying to collect on a debt that is past the statute of limitations for the state of Illinois. There are several lawsuits out there against them currently.
Consumer complaint received 2024-01-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Coradius International LLC (TX)

user XXXX XXXX XX/XX/XXXX, XXXX Sent {$730.00} AUD Your recipient should have the money by XX/XX/2023. 

Repeat this transaction Paid with XXXX balance {$500.00} Exchange rate {$500.00} USD = {$730.00} AUD XXXX USD = {$1.00} AUD Transaction ID XXXX Contact info Message XXXX XXXX Note XXXX Details Sent to XXXX XXXX {$490.00} {$730.00} AUD Fee {$4.00} {$7.00} AUD Total {$500.00} {$730.00} AUD There were 7 repeating charges that were attempted to be run VIA ACH. I called, emailed, and reported these fraudulent charges over a week before the ACH was even attempted to be charged to my account. 

The representative that answered the phone only stated that I had authorized the charges with no means to confirm this. I was alerted via phone to the charges to have been authorized at about XXXX my time, contacted XXXX at about XXXX. 

Initial reporting to this was automatically declined by their automated system, the rep I spoke with said I would receive further review via their team. 

About a week later I received an email indicating the charges were unauthorized, however I would have to hope that the person who received my funds would return them. 

After initial contact with XXXX I contacted my banks, performed stop pays for all transactions and created new accounts. 

XXXX has apparently created a credit line on my behalf and given money to an unknown person while simultaneously informing me they knew these charges were fraudulent. 

In turn I have received a bill collector notice for these fraudulent charges.
Consumer complaint received 2024-01-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc. (GA)

I do not have a contract with MEDERIAN FINANCIAL SERVICES nor do I owe them any debt. I mailed in a proof of debt validation/proof as to how I owe them the alleged debt, Including the original contract and more, which they could not prove nor provide instead they avoided my request and updated it with the credit reporting agencies as verified without proof. I will not accept any billing statements or account summaries because those are not the correct requirements for proof of debt validation. No Proper documents including the original contract and how this debt exists were provided. 

MERIDIAN FINANCIAL does not have any legal license to collect in the state of Georgia which they are illegally trying to do, as well as trying to extort me for an extension of credit, which they brought elsewhere. They are also using my non-public information without my consent and authorization fraudulently reporting false I nformation. This collection agency has violated my rights as a consumer and needs to be held accountable. I do not know how much they bought the debt for nor is it my responsibility. Meridian Financial Services made their own decision and I will not allow them to profit from me through their illegal activities. I want to account to be deleted from my consumer file because its causing a lot of financial trouble including denial of credit.
Consumer complaint received 2023-10-31
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: JPMORGAN CHASE & CO. (LA)

On XX/XX/XXXX I submitted a request to Chase auto to investigate accuracy of information on my Consumer Reports. 
They sent their response and dated XX/XX/XXXX which I have attached confirming that the reporting information is accurate. 
Chase is in violation of 15 U.S. Code 1666 ( a ) 15 U.S. Code 1666b ( a ) 2 15 U.S. Code 1681i The inaccuracies include ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NEW WORLD COLLECTIONS, INC. (TX)

New World Collections never contacted me, or sent any letter disclosing this debt to me. I dont even reside in that state. It was not until the information was on my credit report that this debt was brought to my attention. Violating the FCRA. I continued attempts to contact the company, it was not until I opened a complaint with the XXXX  of XXXX XXXX ( XX/XX/2023 ) that I got a response from the company. I requested a validation of an item being reported to all three credit bureaus by New World Collections, and received my confidential medical records, including a patient ledger, dates, procedures and codes, as well as treatment information in response without a prior written release supplied by either company clearly violating my rights under HIPAA. 

In response to my complaint to the XXXX, New World Collections continues to violate HIPAA by openly discussing number of treatments, locations, payment amounts for visits, medical payment account types, and insurance information. 

In their own communication, New World Collections stated that I had a total of XXXX visits, but there are over 5 pages with over a XXXX charges, including multiple duplicate procedures that were allegedly performed. This information is clearly invalid as well. 

I informed New World Collections that i would be making a complaint about the clear FCRA and HIPAA violations in which they stated " they welcome it ''.
Consumer complaint received 2023-07-03
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: EQUIFAX, INC. (NJ)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Partners Financial Services Inc (AL)

There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am in fact, requesting this block on behalf of myself
Consumer complaint received 2024-01-06
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: Resurgent Capital Services L.P. (SC)

XXXX XXXX XXXX speaks to unfair and deceptive practices both RC/RESURGENT RECEIVABL and LVNV FUNDING and XXXX XXXX are on my report damaging my report reporting without my consent on multiple bureaus. They are in violation of the privacy act of 1974. Youre misrepresenting our relationship as if we have a contractual agreement. Ive never signed an agreement with any of the mentioned three companies And It needs to be removed. 

The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

Looking through all the complaints for these companies you are willfully destroying peoples lives and preventing them from obtaining credit and its not right. 

Your reporting late payments on collection accounts that people havent agreed to, your reporting balances and transaction history on reports which is illegal! Youre a for profit company whom understands the more debt the more mistakes the more you report the more money you make and youre taking advantage of 1000s of Americans. 

Below in the attachments you will see the violations and how willfully they non comply to the FDCPA, because they dont care to as you can see one photo states meets FCRA REQUIREMENTS which lets me know there was no real investigation done.. collections are governed by the FDCPA.
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK (NH)

Contacted the company today XX/XX/2023. 

Was originally put on a payment plan for {$33.00} a month, to pay off my card. Payments apparently ceased a few months ago without notice sent to me. Now my minimum is required to avoid charge off. Attempted to resolve myself but the company is unwilling to make adjustments due to their negligence. Since the payment plan began, I have not missed payments until they stopped the automatic payments.
Consumer complaint received 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XX/XX/XXXX Charged by Capital One ( Credit Card Company ) for purchase at WalmarXXXX  **Incorrect item was received by WalmartXXXX** XX/XX/XXXX Received Purchase Adjustment from Capital One while dispute investigation is in process XX/XX/XXXX Received Letter from Capital One stating that WalmartXXXX  had provided evidence that product had been delivered ( never in dispute ). Requested I send information by XX/XX/XXXX to continue dispute. At this point in time, I decided to work with the merchant ( WalmartXXXX ) instead of continuing with the dispute as it seemed simpler. I initiated a return for INCORRECT ITEM on XX/XX/2023. I was provided a XXXX code for XXXX. I called WalmartXXXX to confirm that the account was noted as having the wrong item so there would be no issues with the return process. Per XXXX tracking, item was received by WalmartXXXX returns on XX/XX/2023. On XX/XX/XXXX, XXXX chat confirmed item had been received and refund was being processed. 

XX/XX/XXXX -- WalmarXXXX  states that return is FRAUDULENT as the item returned did not match the item in the order .... 

XXXX XXXX I contacted Capital One and explained the situtation. I was told to upload various documents such as proof of incorrect item, proof of return, proof of attempts to resolve, and a personal statement regarding everything that happened. 

XXXX XXXX Documents provided to Capital One as requested. 

XXXX XXXX Capital One states they received the requested documents but the documents did not have the requested information to validate dispute. 

XXXX XXXX I called Capital One and was told by the agent to re-submit the documents with more clarity. Secure link was provided. 

XXXX XXXX Requested documents were uploaded. 

XXXX XXXX Capital One states that the time frame for dispute has expired. 

I called Capital One and was told that I needed to have submitted all documentation prior to XXXX for the dispute to be considered. This information was NEVER disclosed to me. I believed that when I spoke to the agent on XX/XX/XXXX, that I was continuing or re-opening the dispute as I had not received the promised refund. I was never told that the information was invalid. When I called on XX/XX/XXXX, I was never told that the information was invalid because of the date. Capital One will not let me open a new dispute either and the merchant refuses to resolve the situation with me.
Consumer complaint received 2024-04-15
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. (GA)

I hereby declare that I do not authorize this account due to my refusal to disclose any personal financial information to any collection agency, as it is in direct violation of the FDCPA ( Fair Debt Collection Practices Act ). Specifically, this violates FDCPA Sections 807 and 812, pertaining to false and misleading information, as well as furnishing deceptive forms.

Moreover, the agent handling this account is in violation of 15 USC 1692g, as they failed to provide written notification of this matter five days prior, as required by law. As the original creditor, I reserve the right to validate this debt, which I do not acknowledge or validate.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently reviewed my credit report and noticed several unauthorized inquiries. I have tried to dispute these unauthorized inquiries via phone and letter several times. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-04
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Amsher Collection Services, Inc. (MS)

Today I received a text from AmSher saying that I owe XXXX XXXX I have not had a XXXX XXXX  account in over XXXX  years and I do not owe them a XXXX  never got XXXX  bill or letter from this company in over XXXX  years this is ridiculous collection practices past the statue of limitation
Consumer complaint received 2024-01-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grain Technology, Inc. (GA)

On XXXX XXXX XXXX, I sent in a Lawful Notice of Dispute, I gave the company a period of ten ( 10 ) days from the date of your receipt of my notice and if not then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once, or I will take legal action. It's been over a month and they still have yet to provide this information or to delete this information from my credit report. They are now in default. They are also violating Fair Credit Reporting Act ( F.C.R.A. ), Violation of the F.D.C.P.A., Defamation of character by reporting this debt on my credit report while also violating 15 U.S. Code 1681b since they never got my permission to report this in writing, and also, the use of my copyrighted property. On my XXXX report it shows that you charged off the account. Which means the alleged debt is settled and you filed a XXXX. I need my copy for tax purposes since that is considered income. If not, I will file an IRS XXXX form for tax fraud you are committing.