davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ARC Management Group, LLC (FL)

Against : ARC MANAGEMENT GROUP , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX - GA XXXX ( XXXX ) XXXX I have been pursued for a debt of {$2400.00}, which is claimed to be owed to XXXX XXXX XXXX XXXX XXXX Upon requesting my records from XXXX XXXX XXXX XXXX, I received documentation detailing past and current balances, indicating payments made by either my insurance or myself. I provided these documents to the party in question, but they refused to accept them as evidence. Additionally, in the documentation they provided to substantiate my ownership of this debt, they inaccurately listed me as an employee of XXXX XXXX in XXXX, despite my employment with the company having ceased in XXXX. They have also insisted that I provide proof of payment and supplied an invoice number to contact XXXX XXXX XXXX. However, XXXX XXXX XXXX has denied any record of such an invoice and directed me back to ARC Management Group , LLC to furnish my statements demonstrating a clean account without any outstanding debt. 

This situation has had a detrimental impact on my credit score and has hindered my ability to progress with a home purchase. Despite this, they have persisted in refusing to remove the debt from XXXX, the sole credit bureau where this collection is reported. It is disheartening that individuals or entities can inflict such harm on someone's credit without adequately verifying the information they possess. They have neglected to contact XXXX XXXX XXXX XXXX, which would have revealed that I do not owe any outstanding amount there. 

I am appalled by the actions of this company and the damage they have caused to my credit. Not only have they failed to verify the accuracy of their information, but they have also neglected to provide evidence substantiating my liability for the debt, which I know to be unjust. XXXX XXXX XXXX XXXX is also aware of this fact. 

I trust that this matter can be resolved promptly and that the erroneous collection from XXXX will be rectified without further delay.
Consumer complaint received 2024-05-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc. (CA)

On XXXX XX/XX/XXXX, signed an evaluation agreement with XXXX XXXX XXXX XXXX for XXXX XXXX, carrying an evaluation period of 45 days after receipt. XXXX XXXXXXXX were delivered on XX/XX/XXXX. They did not help my hearing. Returned devices on XX/XX/XXXX in person to front desk of XXXX XXXX XXXX. Attending person said they could not provide mw with a receipt, but would email one. Never received email. On XX/XX/XXXX XXXX sent bill to collection agency ( State Collection Service Inc. ) for {$2400.00}. I have evidence placing me at their office on XX/XX/XXXX at XXXX. XXXX XXXX is very hard to reach ( very long telephone holds ), but they deny receiving units. They also refuse to provide alternative communication channel ( email? ). Collectors are now calling me, attempting to collect for units that were returned to vendor within valid evaluation period.
Consumer complaint received 2023-11-30
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-11-30
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. (LA)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: TD BANK US HOLDING COMPANY (MD)

This credit card account was opened on XX/XX/XXXX with a credit limit of {$4500.00}, I barely used the credit card, but each time I made the monthly due payment, It sounds like the interest charge is equal to the payment I made or even more, so as a result I end up paying more than what I owed, they made some benefit over the credit limit and continue to charge me till this day, isnt that a rip-off, especially that I closed this account since XXXX XXXX XXXX  TD Bank is a complete joke. And with all of that I get letters threatening to report me to the credit bureau if Im late on payment. They even removed statements from XXXX XXXX XXXX  online, to hide payments I made, which is very suspicious and wrong.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-05-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

As a financial institution in the United States of America, Citibank does not have adequate fraud monitoring detection services. Beginning XX/XX/year>, various fraudulent transactions began for account holder XXXX XXXX ( for where I am the beneficiary ), that does not make sense. For example : ( 1 ) 9 times the usual savings to checking transfers via a customer call center transfer when all transactions had historically been transferrred via the local branch ATM machine.

( 2 ) Student loan payments began being paid when the account holder is XXXX XXXX XXXX. 

( XXXX ) Credit card payments were being paid off in excess when the account holder had never signed up for credit cards. 

Not only did the bank did not look into the disputed financial transaction ( which I am working on ), they failed to acknowledge any wrong doings on their own end.
Consumer complaint received 2023-11-30
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. (CA)

I have requested several times for specific proof to show this account wasn't fraudulent opened by providing proof of signature used to open account and transaction history. Creditor has failed to provide proof and instead went ahead and said account was verified by provide SS, address and nothing that I asked for. Fraudulent accounts can be opened with that exact information but a signature and transaction history can pin point if this was opened by me. I have let them know this account does not belong to me and for such a small fee I would have just paid it off to avoid derogatory history on my record.
Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CT)

Chase has permanently banned me from being able to open an account with them again. 
This came after the closure of my business account. My business account ( XXXX XXXX XXXX XXXX ) during the month of XX/XX/2020 received a check from unemployment with someone elses name on it in the amount of {$710.00}. I explained I do not know the individual. I did not touch the money. My account closed with over {$6000.00} in as the balance. My money was seized by Homeland security and sent to Asset Forfeiture. This came only after several attempts to prove that the funds in the account belonged to me. I was able to prove this by stepping into a branch with a branch manager at that time. I sent over my paystubs from unemployment which should have released the hold on my funds prior to them being seized for fraudulent suspicion. This was done in XXXX of XXXX. I put in multiple claims for my money and chase forwarded me to Homeland Security. I then reached out to Chase Executive Branch in XXXX where I had created 7different Claims over the same situation and how it impacted me negatively Not only taking my Money but also Denying me access to open me an account again with Chase which I needed to receive my checks. 

I would like to Be able to Open a account with chase again along with getting back my money they released to Homeland security after being able to verify that those funds were indeed legit and made out for me.
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. My DOB XX/XX/XXXX and my SS XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX
Consumer complaint received 2024-05-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (GA)

I received a letter by mail from Medical Revenue Service ( XXXX XXXX on XX/XX/year>2024 indicating a balance of {$50.00} is owed on Account # XXXX. On XX/XX/year>2024 I sent an email disputing the debt and requested validation because the debt is not mine. Then, on XX/XX/year>2024 I receive a letter from XXXX XXXX dated XX/XX/year>, that my dispute was received on XX/XX/year>2024 for Account # XXXX for balance {$8.00}. XXXX XXXX letter goes on to indicate they have continued their collection activities within the 30 day period the alleged debt is disputed by furnishing information on this debt to credit reporting agencies and based upon my dispute, XXXX has requested the reporting agencies update the information requested to reflect the account disputed. 

The account referenced in XXXX XXXX letter is not even the account from the initial communication with me, the consumer. The supporting documents to the letter further serve to validate Account # XXXX has a {$0.00} balance. Likewise, Account # XXXX has a {$0.00} balance.
Consumer complaint received 2024-05-14
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (TN)

XX/XX/year> @ XXXX XXXX. {$18.00} 6 times at XXXX XXXX, it never went thru while I was there. meaning I walked out with no pizza. I have tried to get this refunded for almost a year. Amex nor merchant will help, both say purchase went thru. Amex claims I filed a dispute and they denied it. I never received proper paperwork to file dispute although I called almost daily for 2 months straight. was told wait up to 120 days. I will not let this go as I did nothing wrong and stealing from someone is wrong.
Consumer complaint received 2024-04-14
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. (FL)

PER 15 US CODE 1681 ( b ) ( 2 ), 15 US CODE 1681 ( a ) ( 1 ), 15 USE CODE 1681 ( C-2 ), 15 US CODE 1681 ( a ) ( 2 ) ( a ) ( i ) these accounts need to be removed asap. 

Once again per statues above this account needs to be removed asap THIS ACCOUNT DOES BELONG ON MY CREDIT REPORT REMOVE FROM ALL CREDIT REPORTING ASAP THIS ACCOUNT WAS ONCE REMOVED BEFORE AND NOW APPEARS UNDER A NEW COMPANY NAME BUT FROM SAME COMPANY THIS IS A CFPB VIOLATIONA AND THEY SHOULD BE FORCED TO PAY {$100.00} FINE PER MONTH THIS ACCOUNT HAS BEEN REPORTED SINCE IT WAS SUPPOSED TO BE REMOVED.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (TX)

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 or unwritten verbal and nonverbal per 15 USC 6802. 15 USC 6805 Obligation in respect to the disclosures of personal information.
Consumer complaint received 2023-11-30
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. (CA)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jon Barry and Associates, Inc. (FL)

Paragon has besmirched my credit as they are attempting to collect for a hospital. In the CFPB Complaint # XXXX dated over a month ago, they stated that they would provide me with an ITEMIZED hospital bill for me to peruse. They said that they would and one month later, they have NOT done so. Please remove this unfavorable credit blotch from my report.
Consumer complaint received 2024-05-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (FL)

EASTERN ACCOUNT SYSTEM is using illegal debt collection tactics to try and collect debts that were previously disputed with credit bureaus and DELETED. They have constantly disregarded the Consumer Credit Reporting Act which clearly states they can not add the item back unless more documents are provided and I am notified. They haven't done either of them. On XX/XX/XXXX I had them deleted over 3 times and I've lost count after that. Dates are XX/XX/XXXXXXXX XXXX XXXX, etc. I have been denied several apartments, credit cards, and jobs due to this constant reporting. 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. 15 U.S.C 6802 states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. EASTERN ACCOUNT SYSTEM violates UCC 9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, payment intangibles, or promissory notes which is for collection only. The original creditor is XXXX XXXX XXXX  which provided an account breakdown and discharged write-off date of XX/XX/XXXX. EASTERN ACCOUNT SYSTEM is to provide the direct contract in which they are authorized to request a payment and NOT a debt collector in which whom bought a debt. If you verify this inaccuracy for the credit bureaus without providing me with all of the said listed items you violate the law, which carries a fine of { {$1000.00} } per violation. Any communications not received by certified mail under the Penalties Of Perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under Penalties Of Perjury, please settle this account immediately within ( 15 ) days. Notice To Agent notice to principal All Rights Reserved Without Prejudice U.C.C 1-308.
Consumer complaint received 2023-11-30
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. (TN)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collection Bureau of Fort Walton Beach, Inc (NC)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.
Consumer complaint received 2023-11-30
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have concerns regarding the notification I received about the debt and the lack of information provided to verify its validity. When I contacted XXXXXXXX XXXX seeking clarification on the validity of the debt, I did not receive any information or documentation supporting the existence of this debt. I believe that as a responsible customer, I am entitled to receive sufficient information to verify any debt reported in my name. Upon reviewing my credit report, I noted that the mentioned account is inaccurately portrayed as a late payment account with a balance due. This misinformation adversely affects my credit score and raises questions about the accuracy of the reported information. Please find the details of the account in question below : XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/2019 Balance : {$170000.00}. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2024-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In XXXX, I settled and paid off an account with Capital One. Despite having paid off this debt in full, the charge-off is still being reported on my credit report. Also, Capital One continues to report the charge-off as a new event each month. This ongoing reporting is inaccurate and misleading, and it is negatively affecting my credit score. I have contacted Capital One multiple times to correct this issue, but they have not made the necessary adjustments. Attached are copies of my correspondence with Capital One and copies of my credit reports showing the continuous monthly reporting of the charge-off. 

Fair Credit Reporting Act ( FCRA ) : The FCRA requires that all information furnished to credit reporting agencies must be complete and accurate. Continuous reporting of the same charge-off as if it were new can be seen as a violation of this act. 

You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishments of the quality of my life. 


As a consumer by law this account must be deleted immediately or I will seek monetary damages for violation of my right 15 USC 1681a ( 2 ) ( B ) in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. 



Sincerely, XXXX XXXX