davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am a senior citizen and I have steered clear of opening credit account for the last 10 years So each of the outdated adverse accounts are a hindering from enjoying my golden years. 

XXXX XXXX Past 7 XXXX XXXX Past 7 XXXX XXXX Past 7 XXXX XXXX Past 7 XXXX XXXX XXXX Past 7 XXXX XXXX Past 7
Consumer complaint received 2019-09-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY (SC)

credit card agency has negative marking on credit report, although there is a {$0.00} balance owed. I have contacted both XXXX and XXXX to investigate the negative marking, and the deb agency has yet to respond to my complaint. I'm asking that the marking is removed from my credit report.
Consumer complaint received 2018-09-11
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: Experian Information Solutions Inc. (GA)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.
Consumer complaint received 2019-11-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (MO)

I have tryed to pay this debt when i found out about it. They called my wife and she told them to send her a bill and she would be happy to pay. And they replied that they had sent one several months back and it wasnt there responsible to send another one. So o went on line and tryed to pay it and it said ii need the case number of the statement that I recieved in the mail that i dont have. So im where we are now. Any help with this matter would be appreciated. Thanks
Consumer complaint received 2023-01-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Claims Bureau, Inc. (NJ)

On XXXX my alleged debt was consolidated into another aggregated account. The original accounts seem to have not been erased. Therefore erroneously doubling my alleged debt. Moreover I paid XXXX on that date to the Professional Claims Bureau, LLC. They admitted to me and to XXXX ( the hospital ) that pcb has my XXXX, did NOT apply it to my debt, and admittedly dont know where it went once it got to pcb. They have had months to apply my money to my debt yet they have failed to. They also have stopped answering calls.
Consumer complaint received 2020-02-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I have in my possession evidences and proof that show actions of common law fraud, unjust enrichment, and restitution ; Fair Debt Collection Practices Act ( FDCPA ) violations ; Fair Credit Reporting Act ( FCRA ) violations ; counts of Racketeer Influenced and Corrupt Organizations Act ( RICO ) violations, GRAMMLEACHBLILEY ACT ( GLBA ) violations and CCPA ( California Consumer Privacy Act ) by all parties involved listed above. 

XX/XX/2019, I received a copy of my full credit report via XXXX and noticed immediately, major errors with four accounts associated with the name or variations of the name XXXX XXXX, XXXX  and 12 Capital One. I wrote letters via Certified mail requesting validation of the four separate entities that were listed as they were respectfully listed. Please be advised that the information reported about these three accounts was purposely entered to be misleading, incorrect and incomplete. 

Capital Ones website states this account was never assigned to XXXX XXXX XXXX, XXXX. As stated on Capital One records for the account ending in XXXX, it is stated Your account has been charged off and has been acquired by another party. Blacks Law Dictionary Second Edition defines the term, Acquire as, The action of buying or gaining the possession of property. That party is listed XXXX XXXX XXXX XXXX, - XXXX. 

XXXX XXXX XXXX XXXX failed in their legal obligated duty as debt buyers to notify me when they purchased my debt from Capital One ( along with my nonpublic Personal Information ). This notice would have allowed me a window to dispute any duplicate accounts or validity. Subsequently, by not being disputed, they then became account stated. Meaning they created a new contract unbeknownst to me with XXXX XXXX XXXX XXXX for every tradeline listed on my credit report. Fortunately, I did dispute these accounts during that time with XXXX XXXX. XXXX XXXX had the tradeline Capital One Bank USA removed from XXXX  and XXXX  but remained on XXXX. This is the reason why when I received my credit report on XX/XX/2019, the account listed as, 12 CAPITAL ONE N.A, the comment says disputed my customer. The name was just changed. 

XXXX XXXX XXXX XXXX, currently has 86 companies and 74 people registered at the address of XXXX XXXX XXXX XXXX, SC XXXX, all of who seem to operate and function in different roles in each different company, all who of which are to be included but not limited to being included in this notice of intent to sue .The XXXX XXXX owns XXXX XXXX XXXX , where XXXX XXXX is CEO/Owner/Founder, XXXX XXXX XXXX plus others,. This confusing chain of ownership is proof beyond unreasonable doubt that alter egos of these companies exist and the principle business of the affiliates is debt collection.
Consumer complaint received 2020-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (FL)

I moved to XXXX from XXXX in XXXX I open a Cable link with XXXX company in XXXX XXXX XXXX in a lease rental vacation Home. 

I was not happy with the Tv channels, so i cancel the TV channels on XX/XX/XXXX and returned their Equipment. I kept the Internet connection for my work. 

I moved from XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX in XX/XX/XXXX. I closed the Internet account with XXXX and paid the balance owe of XXXX dollars and returned the internet modem equipment to their XXXX XXXX XXXX  branch. I was told My balance was paid in full since I only had the internet only. 

i been getting harrasment calls from debt collectors at my work phone, and got a message from my credit reporting company XXXX. The collection company has included a back mark on my Credit report for {$88.00} Dollars. This debt does not belong to me and should not be in my credit report, XXXX and Credit management LP in XXXX Texas creditor account XXXX Refrence XXXX This debt is not mine, I have try talking with XXXX  and they wont talk with since the account is closed. Not my debt, collection Company has ruin my credit. 

I need your help
Consumer complaint received 2022-08-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TRUIST FINANCIAL CORPORATION (MN)

I have had a loan with this company for just over a year. somehow I get charged fees each month but am unable to see what they're for bc I can not view all my statements online. I can only view the ones when I was enrolled in online statements. I have lost previous statements bc I assumed I could view them. I paid the fees that were up to {$120.00}, bc I assumed I had been late or had a payment returned. the month after I paid those fees, I was showing an additional {$150.00} in unknown fees. I can't talk to a human, they only have an automatic phone. I requested my statements be sent to me and that was XXXX months ago.
Consumer complaint received 2020-02-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (IN)

I have in my possession evidences and proof that show actions of common law fraud, unjust enrichment, and restitution ; Fair Debt Collection Practices Act ( FDCPA ) violations ; Fair Credit Reporting Act ( FCRA ) violations ; counts of Racketeer Influenced and Corrupt Organizations Act ( RICO ) violations, GRAMMLEACHBLILEY ACT ( GLBA ) violations and CCPA ( California Consumer Privacy Act ) by all parties involved listed above. 

XXXX XXXX, I received a copy of my full credit report via XXXX and noticed immediately, major errors with four accounts associated with the name or variations of the name XXXX XXXX, Resurgent and 12 XXXX  XXXX. I wrote letters via Certified mail requesting validation of the four separate entities that were listed as they were respectfully listed. Please be advised that the information reported about these three accounts was purposely entered to be misleading, incorrect and incomplete. 

XXXX XXXX website states this account was never assigned to Sherman Originator III, LLC. As stated on XXXX XXXX records for the account ending in XXXX, it is stated Your account has been charged off and has been acquired by another party. Blacks Law Dictionary Second Edition defines the term, Acquire as, The action of buying or gaining the possession of property. That party is listed Sherman Originator III LLC, - XXXX. 

Sherman Originator III LLC failed in their legal obligated duty as debt buyers to notify me when they purchased my debt from XXXX XXXX ( along with my nonpublic Personal Information ). This notice would have allowed me a window to dispute any duplicate accounts or validity. Subsequently, by not being disputed, they then became account stated. Meaning they created a new contract unbeknownst to me with Sherman Originator III LLC for every tradeline listed on my credit report. Fortunately, I did dispute these accounts during that time with XXXX XXXX. XXXX XXXX had the tradeline XXXX XXXX XXXX USA removed from XXXX and XXXX  but remained on XXXX. This is the reason why when I received my credit report on XXXX XXXX, the account listed as, 12 XXXX  XXXX XXXX, the comment says disputed my customer. The name was just changed. 

Sherman Originator III LLC, currently has 86 companies and 74 people registered at the address of XXXX XXXX XXXX XXXX, SC XXXX, all of who seem to operate and function in different roles in each different company, all who of which are to be included but not limited to being included in this notice of intent to sue .The Sherman Group owns XXXX XXXX XXXX , where XXXX XXXX is CEO/Owner/Founder, Sherman Financial Group plus others,. This confusing chain of ownership is proof beyond unreasonable doubt that alter egos of these companies exist and the principle business of the affiliates is debt collection.
Consumer complaint received 2020-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (TX)

I have contacted Franklin Collection regarding an account that they claim that I owe them for an alleged debt in the amount {$1500.00} for a company they represent by the name of XXXX XXXX XXXX. I know for a fact I have never had any dealings with Franklin Collection nor the company that they represent. I have asked Franklin Collection to provide some type of competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay them or the original alleged creditor. However Franklin Collection has failed to provide this information.I have continued to do my own investigation and have found that I am a victim of identity theft and this account is a result of identity theft. However due to Franklin Collection ignoring my request to validate and verify this account I think they do know this as well and proceeded to report this fraudulent account onto my credit file anyway. In accordance with the Fair Debt Collection Practices Act, I am asking Franklin Collection to immediately stop all collection activities about this debt, including reports to credit reporting agencies. I also ask that you tell the business where the account was opened that this debt is the result of identity theft. 
I have enclosed a copy of the Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform the business where the account was opened that the debt is the result of identity theft Stop collection activities against me Stop reporting information about the debt to credit reporting agencies If you've already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft Provide me with the records I request
Consumer complaint received 2023-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

I'm with Citibank, N.A XXXX XXXX XXXX XXXX XXXX XXXXXXXX SD XXXX and I have reason to believe that I'm being discriminated upon due to my race, I currently have a credit card with Citibank and my credit card includes banking app options in which I can access my account through my phone inside this app also includes my XXXXXXXX XXXX which is incorrect and has been since I've been a member of Citibank since XXXX. It shows a delinquent account on the app it also shows a XXXX credit score which are both false I never received an increase in credit due to this issue.
Consumer complaint received 2020-02-06
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT XX/XX/XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Consumer complaint received 2022-08-29
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Westlake Services, LLC (CA)

My car loan is due on the XXXX of every month. I have had Complications with my health since XX/XX/XXXX due to XXXX XXXX. 

I understand as of today XX/XX/XXXX that I am 32 days past due on my payment. 

Ive spoke to a Supervisor identified with User Code XXXX  ( Last name XXXX ) to ask if they can please forgive the late payment and not report the 30 days late to the credit bureaus. I advised I wasnt able to make the payment due not being to work and make money due to complications to XXXX They said NO! 

Can you please help me with this situation? I cant afford to have a late payments on my credit report. 

Thank you so much for your help
Consumer complaint received 2022-09-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (NY)

To whom it may concern : I attempted in many occasions to settle a debt I had with American express. Whenever I had a verbal agreement and tried to make payments, they cancel the original agreement. 
After many unsuccessful settlements I asked for the last agreement to be in writing. On XX/XX/XXXX I I received a detailed confirmation of the settlement as indicated on the attached copy. I have been making payments on time as per agreement. To my surprise on XX/XX/XXXX I received another letter asking me to pay the entire balance that was the reason of our initial dispute. 
The copy of that letter as well as the payment confirmation are attached to this message. 
Hopping to hear from you very soon. 

Best regards.
Consumer complaint received 2023-01-26
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. (MS)

I noticed that Experian is reporting fraudulent inquiry accounts on my credit report. There is a XXXX XXXX XXXX and XXXX XXXX XXXX on my credit report that is not suppose to be there. Accord

ing to 15 U.S. Code 1681n ( a ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the an amount equal to sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} I never gave experian a written instruction or permissible purpose to put this on my credit report according to 15 U.S. Code 1681n ( B ) Civil Liability for knowing noncompliance- any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00} whichever is greater. I have sent over my information that is needed including my identity theft report according to 15 U.S. 1681c-2.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Credit reporting agencies do not provide credit scores for free, nor will they provide all of your credit scores. This is harmful to consumers. Credit reporting agencies should be required to provide ALL credit scores they provide to creditors, lenders, insurance companies, etc., and explain the differences between those scores. Why in this day and age has Congress not passed a law that allows consumers to have immediate, and always available access to not just their credit reports, which they can only get for free once per year, but also access to ALL of the credit scores that a credit reporting agency will generate for use by their paying creditors. Credit reporting agencies make the vast majority of their profits from creditors who request credit scores and reports on consumers, so stop making consumers have to pay for this information and make it always available and make ALL information available, not just a credit report. Scores are what matters, and consumers should be able to know each and every score that a credit reporting agency maintains about them, and they should be able to get this information at no cost, and on an immediate basis.
Consumer complaint received 2022-08-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Albert Corporation (TX)

I applied for and received a " cash advance '' from Albert ( using the XXXX App ) on XX/XX/XXXX for {$150.00}. Repayment is supposed to occur on my payday. In the past, it would occur on the day after which I get paid on the XXXX and the last day of each month. Albert is aware of this as they request direct access to my bank account for payday amount and timing verification. On XX/XX/XXXX, 4-5 days before my payday, Albert accessed my bank account to take repayment and of course, there wasn't enough money in my account at the time. I get paid on the XXXX ( unless my payday falls on a weekend, then I would get paid the Friday prior ). When Albert was not able to withdraw {$150.00} ( the advance plus a processing fee ), Albert submitted 11 transactions to withdraw from my bank account in amounts ranging from {$.00} to {$16.00}. Each of these transactions has now incurred overdraft fees from my bank leaving my account in the negative. I was not notified that the loan would be taken out in small increments that would do this much damage to my bank account and according to their own words on their website, I was supposed to be able to use Albert to " Cover bills We dont believe in overdraft fees. Instead, we help you make ends meet by advancing up to {$250.00} from your next paycheck. No interest. No credit check. '' By withdrawing money before my payday and then proceeding to withdraw it in 11 transactions when the first did not go through, they clearly do believe in overdrafting its customer 's accounts. Please help me not only clear up this mess, but also rectify the damage to my bank account relationship.