davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ZenResolve, LLC (AZ)

On XX/XX/XXXX at XXXX AZ time, I was contacted by email stating ZenResolve was a third party debt collection agency and that I have an outstanding balance to XXXX in the amount of {$1000.00}. I have never heard of XXXX before, so I started the verification process. On XX/XX/XXXX XXXX AZ I sent off an email disputing this debt because I have never done business with a company called XXXX and the email was returned to me. Later that evening, I mailed off a letter to ZenResolve by the USPS disputing this debt and asking for verification under the Fair Debt Collection Practice Act. I did not mail this certified. I never received any verification of this debt. Then on XX/XX/XXXX at XXXX AZ, I was contacted by email again by the agency. I sent off a certified letter to ZenResolve explaining that I sent off a letter on XX/XX/XXXX requesting verification of this debt and it was never done. I haven't received anything. I do have the tracking of the certified letter from XX/XX/XXXX to show it was delivered to the front desk. In the letter, I asked them to cease collection efforts or I will report them, so here I am. Today, XXXX at XXXX I got another email from this company. ZenResolve is not providing verification of this debt. I have never done business with this company XXXX before. ZenResolve is now violating my rights under the Fair Debt Collection Practice Act.
Consumer complaint received 2021-04-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cascade Capital, LLC (LA)

A new debt popped up on my credit reportXX/XX/XXXXas a new debt. I had no idea of this debt so I contacted the collection agency. I was informed that this debt was for my daughter and was from XX/XX/XXXX. I never received any form of letters to dispute of solve the issue prior to XX/XX/XXXX. Under the FCRA the silent treatment is illegal. They reported this as a new debt. Its falsely reported as new account activity. The Fair Credit Reporting Act requires CRA to maintain an accurate file of your credit information. By lying about the age of the account is or the date of any delinquency, the debt buyer or collection agency violates the FCRA.
Consumer complaint received 2021-04-04
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: Fidelity National Information Services, Inc. (FNIS) (NE)

Chex system has violated me yet again with their last response as well. I am still suffering financial injury and my reputation has been completely destroyed by Chex system especially during these unfortunate times of this Pandemic. 

I am seeking remedy and have attached my request inside this complaint. The Fair Credit Reporting Act was designed to protect me as a consumer against unfair practices of credit reporting agencies such as Chex Systems. Who have continually violated me by privacy breach as well as reporting consumer transactions and experiences that the FCRA specifically stated are NOT to be furnished on my consumer report.
Consumer complaint received 2021-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

In XX/XX/XXXX a car I had financed with TXXXX XXXX  was totalled. The car was fully insured by XXXX XXXX and XXXX was named as an additional insured. I have comprehensive coverage and XXXX XXXX took full responsibility to pay XXXX XXXXess a {$500.00} deductible. On XX/XX/XXXX, while the paperwork to get XXXX  paid was being processed by XXXX XXXX I filed a Chapter XXXX petition because of a judgments against one of my companies. All the creditors were paid in full and the Judge dismissed the bankruptcy because there was no creditor or debt over which the court could take jurisdiction. XXXX  was fully paid by XXXX XXXX but they still filed a credit report that said " Status-Petition for Chapter XXXX Bankruptcy. '' XXXX  XXXX has some overzealous lawyers who get paid if tha prosecute a bankruptcy case and these lawyers filed a claim in the bankruptcy case and held up the payment to XXXX from XXXX XXXX. The Chapter XXXX Bankruptcy impacted XXXX getting fully paid for a {$28000.00} car loan in no way at all and the status of the XXXX loan should not refer to the Chapter XXXX Bankruptcy which was dismissed and never was adjudicated. Dennis v. BEH-1, LLC, 504 F.3d 892, 2007 U.S. App. LEXIS 22690 ( 9th Cir. 2007 ), reh'g denied, reh'g, en banc, denied, amended, 520 F.3d 1066, 2008 U.S. App. LEXIS 6291 ( 9th Cir. 2008 ), reprinted, 520 F.3d 1066, 2008 U.S. App. LEXIS 6290 ( 9th Cir. 2008 ) where the court ruled " Federal Law forbids the reporting of a dismissed case. see Defendant credit reporting agencys reinvestigation of alleged error in plaintiff debtors credit report, which overlooked dismissal of unlawful detainer case against debtor and misinterpreted written stipulation between debtor and his landlord that no judgment would be entered against debtor in unlawful detainer action so long as debtor complied with payment schedule, fell short of reasonable diligence standard.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NV)

I am writing to you because I am concerned about the accuracy and honesty of bureau 's data. According to FCRA section 611, It Is important that we have accurate records on file with those who rely on them most- including not Just customers, but also potential lenders or employers. After doing some research into Metro 2 compliance standards I have found that there may be some inaccuracies in reporting going forward. If these issues are not promptly resolved I would love any feedback possible before taking action against you later down this rood together. The inaccuracies that are currently my report are having a serous negative impact on my quality of life The data on my credit report is of high importance and is currently not a representation of who I am financially because it is inaccurate I am demanding accurate documentation so you can document me- the person who deserves status, XXXX - correctly Please make sure that all inaccurate are removed Immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records.
Consumer complaint received 2021-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (KY)

On or about XX/XX/2021, I filed for free credit report from Equifax on the XXXX. Equifax rejected my online application and said I was required to file a written request by mail, using a form supplied on the website. I did so and mailed the request within a day or two. 
On XX/XX/2021, I received a letter from Equifax stating, " Our records indicate that a free copy of your credit file already has been sent to you within the past 12 months. '' This is in violation of the language on the website that states, " During the COVID-19 pandemic, accessing your credit is important. That's why Equifax, XXXX  and XXXX  are continuing to offer free weekly credit reports. '' The letter from Equifax continues by stating, " If you want to purchase your Equifax credit file and/or your credit score and have a major credit card, you may use our automated ordering system at XXXX. '' There is no phone number or other provision for communicating with Equifax for assistance. 
If I am experiencing this problem, I'm sure that other individuals must be having the same difficulty. I would ask for you to enforce the promise of free weekly credit reports from Equifax. Also note that XXXX and XXXX supplied free reports promptly and without any issues.
Consumer complaint received 2023-03-07
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. (FL)

( I demand you remove the inaccurate account listed on my credit report immediately! ) 1XXXX XXXX XXXX XXXX I want full validation of the accounts listed above including the originally signed contracts with my signature if you can not verify the accounts you must remove the accounts under FCRA Laws. 

Thanks 15 U.S. Code 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2021-04-03
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: Resurgent Capital Services L.P. (TX)

On XX/XX/2021 I contacted Resurgant Capital ( Lvnv Funding LLC ) regarding a collection account which is being reported against me ( account ending in XXXX ). I have made numerous attempts via mail to dispute this account and requested that this debt collector investigate my dispute since this account was not opened by me nor did I benefit from its creation. I spoke with an employee named XXXX who informed me she could not speak to me or provide me any information related to how to submit an identity theft report to Resurgant. She claimed that my file was locked and she was not permitted to disclose any information that would assist in resolving this fraudulent collection account. As of today this account is still being reported to all 3 credit reporting agencies even though I have informed this company this account is not mine furthermore they are refusing to assist in processing my request regarding identity theft. The tactics which are being employed to prevent the victim to resolve this inaccuracy are appalling.
Consumer complaint received 2021-04-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I sent a letter on XX/XX/2021 about my credit report and I have not heard anything back. I don't understand how the bureaus can break law and do anything they want. It has been over 40 days and still have no response from them. They have 30 days to respond. This outrageous. Doesn't make any sense.
Consumer complaint received 2021-04-02
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. (FL)

I recently check my credit from experian.com and i notice a few fraudulent accounts on my credit report. I dont normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name.I requested that these accounts be removed from my credit report but no success. I got a few alerts stating that my information was on the dark web. Also, i was affected by the XXXX  breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC report.
Consumer complaint received 2021-04-03
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: Experian Information Solutions Inc. (NY)

*Account XXXX XXXX XXXX XXXX i submitted a complaint regarding this issue before XXXX was able to investigate and removed the information because it was incorrect/inaccurate unverifiable information reported to my report. Also the account is showing a balance in XXXX and XXXX which if it is a charge off or collection there shouldn't be a balance so I am not sure where they are verifying this information.. I am requesting that this inaccurate account and information be deleted off my report immediately. I disputed with XXXX they send me investigation results on another total different account. I disputed with Experian it came back verified which i contacted the creditor ( XXXX ) and they specifically said they have no record of my information in their system to contact the bureaus. I'm not sure how XXXX was able to rectify the issue but XXXX and Experian are not doing their investigation properly and sending this back with a total different account dispute information. When I call the bureau they are telling me they don't have a copy of my complaints when I know it was submitted.
Consumer complaint received 2023-08-11
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: MCCABE, TROTTER & BEVERLY, PC (SC)

I contacted XXXX McCabe Trotter and Beverly on XX/XX/XXXX about my hoa fees that were placed with them for the amount of XXXX. They advised me that I was sent a notice in XX/XX/XXXX, made XXXX XXXX in XX/XX/XXXX. I advised them the only notice I received is a dated notice on XX/XX/XXXX. I advised him I was disputing the validity of the debt because I didnt receive notice from my H O Way management property XXXX. The customer service agent then began to yell that I didnt pay my bill. They were trying to collect it for me since XX/XX/XXXX. I advised that was incorrect that the file was wasnt place we all until XX/XX/XXXX and my balance is only {$200.00}. Why are you telling me I owe XXXX since XX/XX/XXXX. I asked to speak to someone else men multiple times because she was unprofessional. She refused and told me that I was the only person that she was going to ever speak with about this. I hung up and called three different. Try times trying to get in touch with someone else to get the validity of the dead in the correct amount because she kept changing the amounts and I didnt know if she if it was fraudulent or not at that point. I asked her to send me proof by mail. She got upset by that and said that I owe the bill I just need to pay it. I hung up. She called me back twice to taught me and basically said now my bill has gone up to XXXX instead of the XXXX its because she assessed another fee. How is this legal for her to them to continue assess fees and calling, harass me about it and taunt me about it.
Consumer complaint received 2021-04-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (CA)

On XX/XX/XXXX, I tried to withdraw some of my virtual currency that was purchased on and stored at Binance.US. Thats when the Binance platform informed me that they froze my entire account due to risk management. Apparently, a month earlier, there was a small chargeback from my bank ( which i now fixed ). 

Binance threatens to misappropriate all of my funds. They are now holding the entirety of my {$31000.00} of funds hostage. There is no recourse of any kind, no phone or email access, and no way to reach them. 

I submitted multiple tickets to customer support. I followed their required painstaking steps of recording myself on a video, holding up my drovers license, and reading the message they require. Nothing changed. Im one of many, many customers in the same situation. We voice our concerns on XXXX and XXXX. But Binance has ignored us all. 

They are either using our virtual currency for their own staking and trading purposes. Or they plan to defraud and steal from us all. I feel helpless. These were all my savings. It is clearly unlawful to restrict the users access to their own funds under pretext. 

Please help me get through to them and cease their unlawful practices.
Consumer complaint received 2023-08-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NC)

I have never had communication with Midland Credit Management or the original creditor XXXX XXXX XXXX They stated that the account was opened XX/XX/2022 in the amount of {$1700.00}. This account was removed from my reports and now it reappeared. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX, I presumit that no proof of the alleged debt, nor therefore any such debt, in fact therefore does not exist.
Consumer complaint received 2021-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (CA)

I am having an issue with NCB XXXX XXXX. They say I owe {$3700.00} From a company called Rise XXXX of California. I don't know what this is, I have never had credit or a loan with this company. 
I have been disputing this with the 3 credit agencies for a couple of years now, I keep getting the answer " Verified as accurate ''. Who verifies this information? It is NOT accurate, I keep saying this but nothing is done. They believe the company over me? Really? I mailed them a letter of validation on XX/XX/2021. I have asked for proof, I get a letter that says " We are unable to substantiate the allegations of this dispute '' I called once, I spoke to a very RUDE lady, she wouldn't tell me anything, she asked me for a SSN, I told her I would not give it to her, she should have it on file. I asked her to give me a different option to verify myself, she wouldn't. I asked her to mail me proof, she said I would get court papers in the mail, I told her FINE. I have never seen anything. I dont know what to do now.
Consumer complaint received 2018-02-15
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: Meridian Financial Services, Inc. (SD)

Lists six different accounts, so six different collection accounts listed on two major credit bureaus for one account they claim has a balance. They are unable to produce a written document to verify even one debt, let alone six.
Consumer complaint received 2023-08-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC (DC)

My car was repossessed XX/XX/XXXX. I was not notified by American Credit Acceptance as required by law of a repossession. On the morning of the repossession, I was told that I was notified and I wasn't notified at all. In addition, I inquired as to the location of the auto and was told that I could not find out because they don't want me to know where the car is. 

I received a letter in late XXXX from American Credit Acceptance that the car was in Washington DC. On XX/XX/XXXX, the vehicle was transferred to XXXX, VA ( XXXX miles away ) to be placed for auction. I was unaware that this was going to happen. I found out on XX/XX/XXXX, that my XXXX XXXX XXXX had been moved to an auction lot. American Credit Acceptance has cause a lot of unnecessary trouble. 

Now, in addition to having to go without my vehicle, AMERICAN CREDIT ACCEPTANCE has reported to XXXX, XXXX AND XXXX that the account is CLOSED and that I have a " foreclosure ''. My account is open and I have a payment arrangement to get my car back, although it is an overpriced arrangement. 

Please help.
Consumer complaint received 2021-04-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (KY)

My husband and I opened a online bank checking account in my name only ( his wife ) in midXX/XX/2021. We had the funds to be transferred from a savings account in my husbands name only. We provided the funding bank name, account number and routing number with the amount to be withdrawn. Several days later,XX/XX/21, I received an email from the receiving bank that my opening account deposit had been processed. The email gave an initial deposit item #, amount funded, FROM acc. bank name, FROM acc. bank #, TO acc. bank name and TO bank #. All account numbers were x out. 
To this dateXX/XX/21, I have not received the funding for that account. I have contacted both the funding bank and the receiving bank by many phone call and one email complaint to no avail. I have documents from the funding bank but nothing from the receiving bank. They ( the receiving bank ) basically said they have researched but cant find where the funds were deposited and left it with no resolution.This was a very large amount ( {$75000.00} ) that was withdrawn from the funding bank. 
If you can please help me with this issue, it will be greatly appreciated. 
Thank you. 
Do you want me to send copies of documents now or later when I hear back from you?
Consumer complaint received 2021-04-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (CA)

XXXX  master card was induced in 2018 XXXX notification serviced 1 to 1 with XXXX XXXX claim representative. The data breach XX/XX/2018 is to-date. AN internal breach of commands of the likes and dont like can and cant do but will do to rampart for the tangent of bigger.to feel published by possessing a not so good right in commerce of the exchange. etc. That the enclosure column a cross cancel by the master card company in taking money and deducting it from the insurance i did not apply for the total balance of the reversal was the amount of balance i had plus the enclosure brang the account to full payment. The company had not wanted to return the forgery ( phishing } enactment in notice of ( phishing } is civil means of activity in the dos and don'ts. Accept where means of the internal data breach to ( phishing } the workers or employers relinquishment. A working qualification in any country 's or state has these limits in a data breach except where internal resources has been damaged, took, altered and adjusted It can eliminate the population in said balance schemer effects in world cooperatives tax law ... .. The company i have requested from the setting in the credit karma data breach and the XXXX master card reported data breach and reversal however the data belonging to reflex had been adjusted and returned the deduction it is also a forum of phishing to send me emails to inform of the key correction to the account as a debt to overpay the account then close the account as a charge off. The account is not a debt. In fulfillment if i owe your company the amount on the XXXX it will first require that you release the withholding of the prior payments - that has been reversed then blocked by Reflex master-card to closure deduction to the limits to charge off the account. The account was closed because reflex master card incited me to not want to return the amounts deducted and charged off my paid balance available credit to debt the account then roll over to claim, allocate and etc. Now XXXX will be the amount XXXX master card needs to pay me to charge me the credit card statement.