davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maury Cobb, Attorney at Law, LLC (OH)

THIS IS A REQUEST FOR ACCOUNT CHAIN OF TITLE/OWNERSHIP VERIFICATION OF DEBT. 
RE : MAURY COBB ATTY AT LAW/ XXXX XXXX  XXXX # XXXX To whom it may concern this is the 3rd or 4th Debt collection agency attempting to collect a debt that has never been verified, never sent noticed before placing it on my credit file violation of both FDCPA & FRCA FEDERAL LAWS. This account has been illegally re-aged 4 time prior to landing in the current office database of MAURY COBBATTORNEY AT LAW LLC. XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX. 
This complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab into. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, UnderOHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. PLEASE DELETE THIS FILE AT ONCE. IT HAS BEEN IN DISPUTE SINCE XX/XX/XXXX BEFORE IT WAS TRANSFERRED TO THE COBB LAW OFFICE.
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Absolute Resolutions Corp. (AZ)

Absolute Resolutions reprinted my account as collections XX/XX/XXXX. They didnt even send me a notice stating I owed money to them. I only found out my reviewing my credit reports. I called and they transferred me to a debt attorney to make payment. I paid the balance in full with the debt attorney. I can provide all records of this along with letter showing account satisfied/paid in full from the attorney. The letter was sent to Absolute Resolutions showing payment in full and to remove my account on credit reports. They refused to do this so I disputed it with the credit bureaus. The credit bureaus researched and proofed I did pay full balance and updated account to reflect. Everything was good. Until Absolute Resolutions reported yesterday, XX/XX/XXXX to all the credit bureaus that I still owed the full amount and that my account was in collections. I called them today and they denied doing and stated there was nothing they can do about it. Im in the middle of purchasing a house and this is really causing problems that they reported it after everything was cleared and paid for. They are falsely reporting a balance that I dont owe.
Consumer complaint received 2021-08-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (PA)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous account reporting on my Credit Report : ERC ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5200.00}
Consumer complaint received 2021-08-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: California Business Bureau, Inc. (CA)

It was brought to my attention that I had outstanding medical debt in collections when I applied for my auto loan in XXXX of 2021. The negative remarks affected me by not allowing me to qualify for a loan with low interest ; therefore I decided not to move forward with purchasing a vehicle. Instead I decided to get to the bottom of this medical debt that was of surprise to me, as no medical or collections entity had ever tried to reach out to me before to collect payment or give me the opportunity to dispute the debt. 

Consequently, I was able to track down the California Business Bureau as the entity that reported this debt making it onto my credit profile. I then contacted them via phone to investigate the debt they stated that I owed, instead I was responded to with aggressiveness and unwillingness to explain the details of the debt they claimed was mine. I was even threatened that they would once again report me to The Credit Bureau if I did not pay the balance by the end of the month. 

Seeing that they were of no help to explain this debt to me, I resorted to solely communicating via mail moving forward to track any information given to me as well as my attempts to get more information on the debt. 

XX/XX/2021 I sent CA Bus. Bureau a debt validation letter via certified mail on XX/XX/2021 ; in this letter I requested multiple items, including for them to validate this debt they claimed I owed as well as requesting that they prove that they had permission to obtain my medical records. 

XX/XX/2021 I received a response via mail from them in which they provided a letter as well as itemized bills from the hospital, detailing services and medications rendered, alongside diagnosis. I would like to note that the hospital bills they provided me with had the incorrect address on them, further proving that I had not been contacted neither by the hospital or the collections agency. They failed to provide any form of signed consent by me that authorized the hospital to release my medical information to them let alone any other entities. 

XX/XX/2021 Seeing that they did not provide me with all of the things I requested, I resent the debt validation letter via certified mail in which I requested that they provide the remaining missing documents. This includes the signed authorization to release my medical records, which I know that they do not have, as I never signed a form as such. Instead they sent a list of my medical records ; which I know is a direct violation of HIPAA law regulations. I never signed a HIPAA form authorizing them to have access to this information. 

XX/XX/2021 CA Business Bureau sent out the same information that they had previously sent in response to my first letter, therefore ignoring my request to allow them once more to validate the debt and remaining documents.
Consumer complaint received 2022-10-27
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (AZ)

Reviewing my consumer report I noticed my privacy being violated. I have rights as a consumer to privacy on all reports. 34 CFR Part 99 - FAMILY EDUCATIONAL RIGHTS AND PRIVACY States I have a right to privacy. 15 U.S. Code 1681b - Permissible purposes of consumer reports Also States I have a rights as a consumer. I request a proper investigation into this matter. Please produce the ORIGINAL STATEMENTS containing my signature that authorized this information being reported to my consumer report. 
XXXX XXXX XXXX # XXXX Has reported to my consumer report and has cause damage to my reputation. I have been denied good faith and credit for services and goods. I want all loans dealing with this account removed immediately.
Consumer complaint received 2021-08-12
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.
Consumer complaint received 2021-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

So XX/XX/XXXX i went to the post office and i sent in a few documents regard identity theft to XXXX, XXXX  and Transunion. Until this day i still haven't receive an update to what is going on. I dont normally check my credit but when i did i saw a handfull of fraudulent accounts on my credit report. I have never done busines with these companies.I have been getting alerts saying my email and social have been compromised. When i called the credit bureaus they said that they need an FTC report. I have attached the FTC reports with my Drivers license and social.
Consumer complaint received 2021-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

LVNV FUNDING LLC is claiming that I owe them [ {$610.00} ] but I didn't recognize this debt, I do not recall signing any contract to do business with this said company. I suspect Fraud. I have disputed this debt with the credit bureaus, it was once removed but then reappeared on my credit report. Please Remove this inaccurate collection from my report.
Consumer complaint received 2023-05-20
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: Central Portfolio Control Inc. (NV)

After reviewing my credit report, I have identified inaccurate accounts and information that are not associated with me. I did not provide consent for any of this information to be included in my credit report, and it is significantly impacting my life. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-08-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (IL)

I opened an account with Chase Bank in 2013. As a ten year customer I did incur overdraft fees. I tried to keep account in good standing. I reached out to speak with a representative but the conversation always ended in you are only entitled to having three overdraft fees waived per year, regardless of the circumstances surrounding the transaction.
Consumer complaint received 2024-03-27
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 (CA)

I am prepared to accept your offer under the condition that you provide evidence supporting your assertion that the payment from XXXX Credit Card Account number was not fully applied to my account every billing period. 

This debt is considered to be invalid until I receive proper validation and your offices provide XXXX  with proof of claim of the disputed debt. Your offices have XXXX  days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of XXXX credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated. 

If your offices fail to respond to this validation and proof of claim request within XXXX  days from the date of receipt, all references to this account must be deleted and completely removed from XXXX credit file and a copy of such deletion request shall be sent to XXXX  immediately.
Consumer complaint received 2021-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

I sent a check and paid off the loan to Select Portfolio Servicing on XX/XX/XXXX. 

they waited until XX/XX/XXXX to send a letter stating that the payoff ( which they sent ) was not enough. I didn't get the letter until XX/XX/XXXX. So they held funds and let the interest accrue for almost an entire month. My phone number was on the check so if it was short, they could have applied funds to principal or called me to tell me! instead, they sat on it while it collected interest. i find that to be highly questionable and i believe this is the very definition of predatory lending! Please do something to stop this unethical practice. 

file account number XXXX name XXXX of XXXX XXXX
Consumer complaint received 2021-08-12
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. (NY)

Back I n XXXX, XXXX, I made a payment to XXXX, they used my routing and checking account number to take payment. XXXX  never informed me that I must have a checking account with checks, my bank account is a checkless checking. XXXX  understood this error and promised to correct the late payment. They even sent me a letter indicting they would remove it from my account. I submitted a dispute to expedian along with the letter from XXXX. After expedian completed thier investigation, they did not make any changes
Consumer complaint received 2021-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

So XX/XX/XXXX i went to the post office and i sent in a few documents regard identity theft to XXXX XXXX and Transunion. Until this day i still haven't receive an update to what is going on. I dont normally check my credit but when i did i saw a handfull of fraudulent accounts on my credit report. I have never done busines with these companies.I have been getting alerts saying my email and social have been compromised. When i called the credit bureaus they said that they need an FTC report. I have attached the FTC reports with my Drivers license and social.
Consumer complaint received 2021-01-24
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: EQUIFAX, INC. (TX)

I filed a dispute with XXXX, Equifax and XXXX  regarding an erroneous item being placed upon my credit report by XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX  XXXX  XXXX in early XXXX of 2020 to make them aware that an item from them was being reported to my credit file with XXXX, Equifax and XXXX  and that someone had opened an account unlawfully with them under my name. They sent me an affidavit which I returned to them, they said they would remove the item from my credit report. They obviously lied about this, I then sent notices of dispute to XXXX, Equifax and XXXX  requesting specific documentation regarding the debt. I requested a dispute under Section 609, 611 FCRA which requires an investigation into the claim and required XXXX XXXX XXXX XXXX to provide to me certain documentation. They once again refused to do so and were not required to by XXXX, Equifax and XXXX  despite the requirements under Section 609, 611 FCRA. I am attaching to my complaint my notice to XXXX, Equifax and XXXX  as well as a recent letter from XXXX XXXX XXXX XXXX  to me that came ripped and replete of any of the required documentation under Section 609, 611. I am also attaching a notice of a lawsuit filed by the FTC against XXXX for the very same misconduct bring engaged in by XXXX XXXX XXXX XXXX. Additionally, I am attaching a copy of an Attorney General of Texas complaint filed against XXXX XXXX XXXX XXXX since the CFPB did not accept my complaint against XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Javitch, Block & Rathbone LLC (TX)

I owed a car loan debt with XXXX XXXX XXXX and I didnt know they sold the debt to javitch block & rathbone llp, The way I found out was through my bank because I have been trying to pay my rent and everyday necessities and My bank told me that ones that froze my bank was XXXX law firm a court appointed receiver. Javitch block now this people claim I owe them but the debt is not with them I dont owe anything to javitch block and XXXX XXXX. I did not get any paper work saying they are suing me or any type of notification they have violated my rights. I want this matter to be disputable and corrected.I never sued with proper documents or proper service.
Consumer complaint received 2023-07-07
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. (LA)

I'd like the attached accounts to be reinvestigated before I seek litigation and remedy for the blatant disregard for the FCRA and erroneous reporting that you place onto my accounts. Each account has not been verified, date of last activity are not the same across all 3 credit reporting agencies, accounts are reported charge offs but still showing a balance owed which is definitely wrong because this account has been written off the companies profit and loss statement so as defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. This account clearly wasn't investigated and your company just parroted information from these " creditors '' and slapped in on my consumer report damaging my credit worthiness and character in the eyes of present and future financial institutions. 

I have done my own investigation and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. you are required to conduct your own independent reasonable investigations to ensure the validity of the debt and the honesty, and integrity of the creditor and/or collection agency in question. Sending out generic form. Through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. Also according to 15 USC 1681 everything has to be 100 % accurate on my consumer report and metro 2 compliant.
Consumer complaint received 2021-08-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (LA)

Because of the pandemic I have been unemployed for an extended period of time and the company A.E.S. does not follow the President and Congress ' guidelines for a moratorium on payments and interest. The current moratorium is until XX/XX/2022. The continue to list my account as past due for more than 30 days as this is XX/XX/XXXX and before the President extended payments due was to start on XX/XX/XXXX. None of this makes any sense. They do not respond and if they do it is an unpleasant experience. I have just recently been a victim of identity theft and am working hard to straighten out my credit reports. This loan company has added almost {$100000.00} to the principle of my loans and I am XXXX years old about to retire, there is no way I will ever be able to pay this off. This report makes it impossible for me to get a credit card or to buy anything. If they would just follow the government 's guidelines it would be so much easier. There is almost nothing about their report that is accurate. The State of Louisiana has ended the Pandemic Unemployment benefits early thus making it impossible for thousands of people to pay their bills.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Because the credit bureaus DO NOT update real time they continue to post incorrect and higher balances impacting our credit scores and denying available credit. [ DTI ] Disputes have been made consistently but it is impossible for them to correct because lenders do not report but only negatives Real Time! This creates a financial hostage situation you the CFPB evidently do nothing about nor does Congress. Right now today 5 creditors balances incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: BAM Management US Holdings Inc. (CO)

I created an account on Binance.com and am now unable to access it because I am from the U.S. I can not access my account which still holds funds that belong to me. Binance will not address my problem and will not return my money to me.