davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-20
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)

This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (TN)

Resurgent Capital services known as LVNV FUNDING LLC has failed to verify the debt under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666 reporting to credit Bureaus such as XXXX. I've contacted the company back in XXXX which shows they have been contacted to show that the account ending in XXXX belongs to me. I've attached the letter I sent to request proof that this account belongs to me. Resurgent has failed to show proof of this account belongs to me with my signature. Which is causing harm to consumer report. This account has resulted in identity theft and doesn't belong to me. Ive attached my identity theft. I never had an account with Resurgent and Resurgent do not have my signature for this account saying I'm obligated to pay them. I've attached my federal pre- lawsuit into this matter if the requirements aren't met in the letter that's attached. Please do not take light of my complaint.
Consumer complaint received 2021-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

Hi my name is XXXX XXXX and Im contacting you guys on behalf of my self and my problems with my accounts at citizens bank. 6 months ago my mother and I had got into a fight and because of the fight she transferred my XXXX dollars into her XXXX account, my mom then decided now that since it was time and since I was going to be moving out she transferred the money back to the account I have jointed with her and from there I transferred it into my new account that I just made recently in my new account I had XXXX something dollars in that account before I added what was left from my XXXX  dollars that I originally had that my mother had taken 6 months ago into my new account and the amount I had was XXXX. So I transferred the XXXX into my new account and now my funds are on hold because I called the bank many times and the representatives I had spoken too couldnt tell me much about my account and why I couldnt see the money but that my funds in total were there, since I had XXXX something in my new account when I added the XXXX that left me with XXXX I took XXXX out a couple days ago and I shouldve remained with XXXX but my XXXX  came in today and I transferred the funds into my new account because I didnt want my mother to steal my money and now my taxes are also on hold with the rest of my money. I was told by the representatives that my funds were under further review until the XXXX of this month and that I should receive a letter in the mail telling me how to continue and Im filling this complaint because my funds shouldnt be on hold because I did nothing wrong I have my bank statements and my pay stubs to prove that the money I had in my account were mine 6 months ago before my mother decided to take it from me and use it. I finally get the remainder of what I had back and now Im having troubles with my bank and the fact that they cant tell me why so Im just hoping and praying that you guys can give me answers were my bank couldnt and please help me so that I can use my money I have bills to pay and I cant wait till the XXXX of this month just to hope that my money will no longer be under review which I still dont know why its under review I really hope you guys can help me Ive never had any problems like this going on two years that Ive had citizens bank and now this is happening to me which i feel is wrong especially if I cant get a reason why from them.
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have been disputing an old account with the bureaus. There is an account with XXXX XXXX for which I requested the payment history directly from the company and they have yet to respond to me. That was XX/XX/2020 and yet they supposedly respond to the bureaus. XXXX is showing that they validated the information however how can an account be 90 days late without ever being 60 or 30 days delinquent? That is just common sense!
Consumer complaint received 2018-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

I received credit alerts notifying me Fair Collections & Outsourcing , Inc . 
was reporting a debt owed under my name for {$700.00} upon contacting the company I was informed it was from a apartment complex ( XXXX XXXX XXXX ) located in XXXX, GA that I never applied for or lived in. I submitted the info they asked for to clear my name and have the account removed from my credit but so far I got no response. Both the collection agency and Apartment complex refused to give me any information of send copies of the original application. this fraudulent account is impacting my life and financial freedom to provide for my family as it is being reported to my credit file.
Consumer complaint received 2022-03-02
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. (NV)

XXXX XXXX in XXXX XXXX responded numerous time 's to my complaint recently XX/XX/28 with CFPB that said argument they don't own this debt but still showing on all my reports Equifax and XXXX which received documents showing results as well XXXX XXXX responded to you
Consumer complaint received 2018-05-08
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: Collins Asset Group, LLC (FL)

Title loan/personal loan ( not sure at this point ) .. Paid off, called local office no balance, company changed names/mgmt from XXXX XXXX to XXXX XXXX.. You cam and can tget anyone to answer their phones and forced to leave message on random general voicemail. Now all of a sudden it sen to collections by XXXX to Colection agency called XXXX XXXX XXXX
Consumer complaint received 2021-06-02
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: JPMORGAN CHASE & CO. (NY)

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 : 02/23/2021 This is not mine. 

2. Identity ThefXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

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

7. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

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

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXXN Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft T XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-06-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). It's due to the fact that there are irregularities in my consumer report, It's compelling and greatly damages my reputation as a consumer. I do hope that these things will be taken care of.
Consumer complaint received 2022-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I contacted Transunion of XX/XX/XXXX I spoke to the customer service represented about removing negative inquiries on my credit report. 

Listed below are the inquiries that spoke to the Customer service about. 

XXXX XXXX - DATE : XX/XX/XXXX XXXX XXXX - DATE : XX/XX/XXXX XXXX- DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX  - DATE : XX/XX/XXXX XXXX XXXX - DATE : XX/XX/XXXX XXXX - DATE : XX/XX/XXXX XXXX  - DATE : XX/XX/XXXX XXXX XXXXXXXX - DATE : XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2020-06-05
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (MD)

A fraudulent charge of {$450.00} was made on my TJX credit card at XXXX XXXX in XXXX, AZ in mid XX/XX/XXXX. I currently live in XXXX and with the assistance of one of my adult children who is in the US, I called the company ( operated by Synchrony Bank ) on XX/XX/XXXX and reported the charge as fraudulent. I was informed by the company representative that it would be investigated by the fraud department and I would receive a response to my report. I was thanked and bid farewell by the company representative and the call ended. In early XXXX the next statement arrived and the charge remained as well as additional charges having been added. I called again and was informed that my call in XXXX had dropped and I had not been transferred to the fraud dept and a proper report had not been taken. I was then transferred to the fraud dept and a report was duly submitted. Within the next month I was informed the charge was indeed fraudulent but the next statement still had incorrect charges on it. I called again in early XXXX and again in XXXX and I was told that charges would be removed after a period of 60 days had passed from the initial report ( which was officially completed in early XXXX ). I skipped contacting the company in XXXX but when I started receiving multiple emails a week in XXXX, I contacted them using their web site messaging service. Their response apologized for any inconvenience to me and asked me to make another phone call to the fraud dept. In my message, I specifically stated the great difficulty it is to make a phone call from XXXX. To date over 5 hours have been invested by myself and my child in trying to straighten this out. Why should I have to make another difficult phone call when the fraud was facilitated and allowed by them. They informed me that someone made an in store purchase by accessing my account without actually presenting a credit card to do so. The original fraudulent purchase has been removed from the account but other charges of {$40.00} still remain. This account has not been used by me or anyone else under my consent for almost two years.
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX has illegally placed a collection on my consumer reports, violating my FEDERALLY PROTECTED consumer rights. In accordance with The Fair Debt Reporting Act the account with XXXX XXXX XXXX XXXX has violated my rights : 15 U.S.C 1658 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2. It also states that a consumer reporting agency can not furnish a account without written instructions from the consumer... I have not given any such permission.
Consumer complaint received 2021-02-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MD)

Transaction with MoneyGram on XX/XX/21. There were 3 unauthorized money amounts sent ( {$810.00}, {$810.00}, {$200.00} ) to XXXX. A country we never sent money to. We contacted MoneyGram on XX/XX/21 about how this happened, why the suspect transaction was not stopped and a refund. MoneyGram could not provide any information to assist or explanation how this happened.
Consumer complaint received 2024-05-14
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

Credit Acceptance sold the fraudulant debt to a law firm that has been harassing me and the so called evidence is inaccurate and they have been trying to expedite the motion Order of entering default judgement and I have been talking with representatives of the the firm who have been telling me I had no choice but to pay them {$2000.00} and {$2500.00} in lawyer fees. Plus they have been sending tons of letters and paperwork trying to scare me in to thinking they will are trying to seed this case up without my ability to respond or request a proper due process. The information they have on file is so inaccurate and no proof of claim. I sent a letter requesting the original contract, because this false contract they have recorded in the motion shows no proof of signatures, the interest rate is criminal which shows they were trying to charge me {$19000.00} for a {$15000.00} car. They were sued by the XXXX XXXX XXXX XXXX  XXXX XXXX for this very criminal action, and her office sent me a copy of all the filings recorded with the CFPB. Plus they claimed I missed two payment that was over three years old and if that was the case they never notified me of the issue. I was told that I had to do autopay of which Credit Acceptance Co. debited all my payments each month for over four years from my checking account. The reason why I know they are fraudulant. The proof on my end is that I suffered a XXXX XXXX XXXX XXXX  and had to file a hardship that I law firm help me reduce the debt I was in and all the account that I was having issues with or needed to negotiate the firm did a thorough check on my report and accounts that I would not be able to maintain. They did not see I had an issue with Credit Acceptance and yet I call Credit Acceptance over three years after I did that they all of a sudden tell me I owed {$9000.00} in payments in the principle of the loan. I ask them for proof and they never sent the information I requested. I filed a complaint with the XXXX XXXX in NJ and they repossessed my car when the XXXX XXXX contacted them. They they were harassing me and made threats. It was funny how they were a loan company and collection agency all in one. These people have been such monsters and are using the court to protect their actions. They last representative spoke to at the Law firm told me I don't have any rights if you don't pay your bills. I told them not to contact me again and they have been sending letters and these massive envelops with threat papers showing they are trying to make look like I am being delincquent for a debt that is not accurate and doesn't show the right information that will show they are the bad actors and stole over {$16000.00} from me.
Consumer complaint received 2020-07-30
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

There seems to be inaccurate, unverified accounts on my credit report. I simply requested some proof of verification of these accounts. Not only did I not receive any proof, I was told that I did not submit enough information about my dispute. I was told that I did not state my reason. In my letters, I am specifically stating the reasons why and simply requested to obtain the documentation that the bureaus should have on file. I know that the accounts are inaccurate and unverified. I also did not receive a timely response within 30 days. I never received the documentation that I initially requested. This is also the second letter that I have sent out and it has been 30 days without a response.
Consumer complaint received 2018-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NRA Group, LLC (ND)

I received an alert from XXXX stating that XXXX XXXX had reported XXXX past due balance on my report which caused it to reduce by 72 points. I went to the XXXX XXXX store located in XXXX, North Dakota in XX/XX/XXXX to upgrade my telephone and add a line for my daughter, and in order to process the upgrade I was told that I had to pay everything from a sub-account that I had cancelled with XXXX the month prior. I never received bills for this account and was overcharged repeatedly and have logged complaint calls with XXXX regarding this account from it's inception until it's completion. This was paid in full in the store and I was able to upgrade my plan and purchase a newer phone. 
I have XXXX phone lines through XXXX and they are all current and I never heard anything else about this old sub-account until I checked my credit report and saw that XXXX had reported it late as of XX/XX/XXXX. I called XXXX and they told me that they would not be able to help me because it has been sold to a debt collection company and to contact them. I told them that they said if I am disputing the charge, I have to contact XXXX directly-and that nobody would tell me why this paid account is showing outstanding or why on earth it was sent to a debt collection company without me having any knowledge whatsoever by phone call or in writing that there was anything outstanding. They told me they can't help me. This is ridiculous. I can't seem to figure out how they can just send things to a 3rd party collection agency without notifying me beforehand so that I can dispute this in person and show them I have a receipt for payment.
Consumer complaint received 2018-12-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (MO)

Medical billing company refuses to acknowledge billing error. Will not engage for review and have now proceeded with collections process. 


********** details of issue **************** Wife scheduled a " XXXX XXXX '' exam and  attended the scheduled exam. 

Insurance ( XXXX ) benefits indicate a {$0.00} copay for this service XXXX  mis-coded and has attempted to collect a {$25.00} deductible I contacted XXXX regarding the issue. They agreed with our position and indicated that it should have been coded as a " well woman '' exam with a {$0.00} deductible I shared this info with XXXX, and the person on the phone indicated that there was nothing she could do ( NOTE : Ive had multiple conversations with their clerks over the course of time between XX/XX/2018 and now. ) I asked her to escalate my call to her supervisor. She indicated that she could not, but I could write a letter to their billing complaint department. She indicated that they would call me to discuss the issue. 

I wrote the letter and mailed it to their offices on XX/XX/2018 and as of this date, I have received no communications from XXXX  except for a billing statement indicating an overdue balance of {$25.00}, and XXXX based collection phone calls to my wife. ( I can share with you the letter if you need it ) Ive indicated on each phone call to the billing department that the charges are erroneous and that I wish to dispute the charges. Ive followed the instructions for submitting a written dispute to their offices, yet, XXXX XXXX XXXX seems unwilling to honor my request to dispute the charges. 

My request of your offices is to help me initiate the dispute procedure with XXXX. Each phone call Ive been told that if I dont pay the bill, they will send it to collections which will have a negative impact on my credit report.