davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-07
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Professional Debt Mediation, Inc. (PA)

Pdm in XXXX florida continues to contact me after I told them I am filing ch XXXX bk. 
I dont even know who they are. They must have bought my debt from an original creditor. 
They are also calling my mom, my nephew and my brother who were never listed on any of my debt This is illegal.
Consumer complaint received 2020-02-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PMAB,LLC (NC)

On XX/XX/2020 I saw a collections account for {$300.00} listed on my XXXX  Credit Report for {$300.00} through PMAB. I contacted PMAB on XX/XX/2020 stating that there were some concerns about this account and I asked how could I go about requesting debt validation to help me in my process of getting things squared away. I was told by the PMAB rep that I could not request debt validation from them and I would have to contact the original creditor for debt validation which I am almost certain is not true. I made it clear that I knew that I could request validation from them. I again asked how to go about requesting validation for that account. Then they told me that they could only send validation for combined accounts and not for the specific account that I questioned. I told them that this could not be true because this account has it's own account number so I am certain that I could request validation for this debt. 

Also, as an FYI : They claimed that they send me something in the mail in XX/XX/XXXX. I  did NOT receive it. Also, the postal service emails me each day that I receive mail ( with pictures of the mail pieces ). I have NOTHING from them!!
Consumer complaint received 2022-08-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (IN)

RE : Acct # XXXX To whom it may concern : This letter is regarding account # account number. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status Furthermore, this account needs to be removed from credit profile due to it showing a past due balance of {$620.00} and a term of 1-month ( See exhibit A ). Unless a contract was signed directly between myself and ASMER COLLECTION SERVICES this account can not report a pas due balance nor can it report in 1-month terms. This account reporting is in violation of FCRA. 



Sincerely, XXXX XXXX
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (FL)

Upon reviewing my consumer report after previously disputed Discoverbank has not corrected the information on my consumer report.Discoverbank has violated many fair reporting acts.Information is still inaccutare and not completed according to 15 U.S code 1681s ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Also according ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

As well in 15 U.S code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I the consumer Never received any statement to my mailing address! If creditor believes statement was sent to my resident may creditor show me a certified receipt showing I the consumer sign and received this statement.
Consumer complaint received 2023-07-21
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. (VT)

There is no purpose for these credit reporting companies to continue carrying information from old accounts on a credit report. It is done as punishment to keep credit scores low, although an account is paid in full and closed. They want people to buy their " products '' that will raise scores. It should be illegal for credit reporting companies to keep anything on a person 's report after an account is paid and closed. Maintaining something on a report for seven years is ridiculous. If you want to believe XXXX sayings about debt after seven years, go ahead but do not force the rest of us to live by it. Also, the credit scores fluctuate a tremendous amount for the smallest amount of activity on credit cards. Credit reporting agencies are a major reason for why people stay poor and are forced to pay higher interest rates. It is all so a corrupt and our government allows this to happen.
Consumer complaint received 2019-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Innovis (AR)

XXXX AND XXXX AND INNOVIS ARE FALSELY REPORTING XXXX XXXX US DEPT OF ED. XXXX. ON XX/XX/2019 THIS ACCOUNT WAS PAID IN FULL NEVER LATE AND CLOSED BY CONSUMER. SEE ATTACHED.
Consumer complaint received 2022-08-18
Product: Credit card or prepaid 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 (PA)

As I explained during my phone calls to Capital One on XX/XX/XXXX, XXXX and XXXX, I provided my credit card to a taxi driver and he told me that the payment was not processed. I was not shown a terminal or asked to sign any kind of receipt, nor offered a receipt, but the merchant said that there are often problems with credit cards in XXXX, which is true, and most vendors accept only debit cards for this reason. The driver then asked for my debit card, which I provided. I was then given this hand-written receipt, attached. However, he not only over-charged my debit card, but also chose to charge my Capital One card XXXX, which is an amount that relates to absolutely nothing. That vendor provided me nothing but a hand-written receipt, which lacks contact information, so I can not contact them directly. I have explained all of this to Capital One, provided a copy of my receipt, and bank charge, but they have decided the charge is valid. I submitted a signed letter and supporting documents on the XXXX of XXXX, and received a letter that same day that suggests I did not supply any information and they are closing my dispute. The merchant in XXXX provided wildly false information and it is infuriating that Capital One is accepting their documentation and will not accept mine as proof of a taxi company that obviously and regularly fraudulently charges passengers.
Consumer complaint received 2022-08-18
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. (NV)

On XXXX XXXX Transunion Consumer Dispute LLC, XXXX, and XXXX had been mailed an official dispute letter USPS Certified Mail. Soon after, I received the results of the investigation only from XXXX and XXXX by mail with the correspondence date of XXXX XXXX while Transunion " updated '' the profile. The Credit reporting agencies stated that my account has been properly investigation but that is not accurate due to the reported balance of $ XXXX XXXX is inaccurate, the status of the account, and late payments/CO status reported from XX/XX/XXXX, XXXX Current date is not accurate. This specific account has been removed from XXXX, while Transunion, and XXXX have a reputation of disrespecting my character and ability to extend my consumer credit. Meanwhile, these credit reporting agencies have received the same information shown in the Exhibits section of the Credit Validation Letter from XXXX XXXX. XXXX XXXX sent a Credit Validation Letter on XXXX XXXX as a result of the investigation along with the original contract/ Original Receipt, and the total amount due shown : {$0.00}. Also, the Original Receipt of the transaction shows a balance of {$0.00} as well. Pertaining to the diminishing comment of a Charged off yet a 1099a, 1099c, nor 1099OID has not been provided by the company ( XXXX XXXX ) nor the reporting agency themselves as evidence that would support this claim. One can imagine the immense mental anguish that this has caused to my livelihood and reputation to obtain and extend my personal credit due to negligence. I am led to believe that the consumer reporting agency would rather destroy my reputation and determined to consistently violate my rights in such a way that is unfathomable. In addition, on XX/XX/XXXX TransUnion updated this account as " Closed '' when it had been closed since XX/XX/XXXX, causing a XXXX point decrease to date. 

USPS Certified Tracking # 's : Transunion LLC : XXXX, XXXX : XXXX, XXXX : XXXX 15 U.S.C 1681 ( 2 ) ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; as to the XXXX negative remarks/late payments listed within the payment history from XXXX XXXXCurrent Date resulting in XXXX ( XXXX ) qualifying violations. 

-15 U.S.C 1681 section 602 A Section 1 : States I Have A Right to Privacy -15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without my written permission -FCRA 623 ad FDCPA 806 ( b ) state that the creditor MUST enter a notice of dispute. If this is not entered, the account can not report on the credit report. 

-15 U.S.C 1681e ( b ) - Compliance Procedures ( b ) ACCURACY OF REPORT -15 USC 1681 sec 611 ( A ) -Also the Credit reporting agency took more than 30 days to complete my investigation here is my Certified Mail Tracking # : XXXX XXXX XXXX XXXX XXXX ( TRANSUNION )
Consumer complaint received 2020-02-07
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: Experian Information Solutions Inc. (KY)

I was recently informed while house hunting that I was attached to two socials and this is common with identity theft. I also noticed some Inquiries that are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  with XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX  and experian I also tried to call in to get security freeze removed again and was unable to do so.
Consumer complaint received 2020-02-07
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (TX)

Someone Ruining my Financial Stability, Harrasing me, Been treated as an Experiment for you all Purposes. 
What about civil rights and My privacy rights been Violated. 
Just a simple Information Was Not Yours Don't Fix The Chaos Created in my life. 
I don't Approve the Solution Process been addressed in private that's why i request help in public to clearify myself. 
Now Respecting To Wells Fargo They Open a New Account On My Name Online But I Went to the Branch physically and They didn't let me open a new account and the guy even told me he wasn't going to be able to help me thru the process of resolving my identity theft issue. I went to the Branch a Month ago to make corrections in my name and It got worst with Now setting me as a Business With a TIN instead of an ITIN I have and Still got promised a Debit Card That never got delivered.
Consumer complaint received 2024-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC. (GA)

There was a charge : {$160.00}, by a merchant, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that should have fallen off, because the charge was canceled the next day. 
Instead the charge was posted. Initial conversations with XXXX were fruitless, due to a system error that caused the charge to not show in my files at XXXX. 
I contacted my bank, XXXX XXXX, to issue a charge back. 
XXXX from XXXX has been almost non-existent. I went 2 full weeks without any update, and had to make repeated calls just to get access to the email they said they sent me, which they never did, and magically forwarded to me. 
Federal law states that they have to give me information about a dispute within 3 business days, and I received nothing for a minimum of 10 business days. 
I have had multiple correspondence with the Merchant, XXXX XXXX, and have confirmed with them that, yes, the charge back request was fully completed on their end, and they don't have access to the funds anymore, as it's been sent back to SoFi, as requested. 
XXXX has sent me copies of their correspondence with Sofi. 
Sofi, however, has repeatedly refused me access to account managers, refused me updates on the dispute, lied to me about their own company policies, lied to me about correspondence with XXXX, and lied to me about Amount that was to be returned. 
They claim they can not expedite the process, which is false, because any bank can choose to expedite their own investigation process and credit an account held by their institution
Consumer complaint received 2020-02-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TIDEWATER FINANCE COMPANY, INC. (MD)

This account have been on my credit report for the amount of {$2800.00}. I have disputed this XXXX   credit card account many times and as of todays date they are still reporting beyond the 3 years from the first date of delinquency. I called and the said they will continue to report this item for 10 years. I contacted the credit bureaus and said it 3 years. I have requested payment history but they have not been able to produce it. This account was opened in XX/XX/XXXX and has had missed payments starting in XX/XX/XXXX. I was able to obtain this information from their collections team.
Consumer complaint received 2019-01-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (IN)

Midland Credit management Inc repeatedly called my grandma XXXX XXXX and my uncle XXXX XXXX. They shared personal information of my debts. I am not sure of what dates but in last few years. They should not have called them. How would they even know we were related and shared my info
Consumer complaint received 2023-11-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (SC)

On XX/XX/2023 I had received a call from my banks fraud department I been informed that a XXXX XXXX had access to my previous account. As far as trying to fix this cash app has allowed this person to take funds from my account and take over my debit card that was linked to my bank account. Cash app denies all wrongdoing and says that they are correct infact as a matter of fact that the documents that I provide will show otherwise. I will be using these documents in the court of law ialso have explained the situation over and over again. As you can see the card number ending with XXXX will show that it belonged to me and I did in fact have it in my possession with my name. Now you never found it odd that someone else got access to the same card information as the same as mine did you.
Consumer complaint received 2022-08-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (AK)

On XX/XX/XXXX, I received notification through my XXXX  XXXX text notification that, my account is now negative balance. I immediately checked and found out that there has been 4 different transaction through WESTERN UNION MONEY TRANSFER. I immediately tried to check my western Union mobile app but I was locked out. After contacting western Union customer service I was able to access my account and found out that those money was sent to ( receiver name ) one of my family member. And they couldn't do anything since the transaction is already processed. They suggested me to talk to the receiver and settle the issue. 10 days later after numerous calls since the receiver didn't receive the money. Finally today it was found that I was hacked on western Union platform and the account number of one of my frequent receiver 's was changed and money was sent to a different account with my existing receiver name and address. I was hacked on their platform and for Western Union release the money without verifying account information and receiver information. When I called their fraud department the only response was " we've started an investigation, we'll get back to you in 30-60days '' they provided me a case number XXXX and said they were sorry about the experience. And I lost my {$2700.00}.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC. (GA)

I am a Natural person I am a living human being I have rights under 15 usc1981 Equifax is govern by 25 USC And they violated my rights numerous of times adamant the account listed below to be removed because according to 15 USC 681 I have the rights to privacy and I did not give Equifax written permission to furnish these accounts
Consumer complaint received 2020-02-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: S&N Debt Solutions, LLC (MD)

My husband got sick with XXXX and could not work so we had to use credit cards to buy groceries and his medication. We also had a water main break at the house and that was costly. When our bills became to much we reached out to a company called beyondfinance.com to consolidate our credit cards. All they did was collect our money of over {$3000.00} and have only sent a little over {$300.00} to one of our creditors. One creditor they ignored and the creditor was going to take us to court so we had to take out a loan to pay that creditor off. We told Beyond Finance to take the {$3000.00} and pay off the other two creditors and they refuse to do so. We have called 4 times. They said over {$1600.00} of the money belongs to Beyond for us being a client. We do not think they are going to settle any of our accounts that they are just collecting money for themselves. We ask for a refund and they said only thing they can refund is {$1000.00} of the {$3000.00} because the rest belongs to Beyond Finance.
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (UT)

Fair Collections & Outsourcing # XXXX is reporting a very old account to my credit report that needs to be removed. This is past the Nevada Statute of Limitations and I no longer owe this debt.
Consumer complaint received 2019-01-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (MI)

I am writing to inform you I have been a victim of identity theft/fraud and many of my accounts were compromised without my consent. Someone form your company Carter Young Inc. acc # XXXX contacted me about a alleged debt that showed up on my XXXX credit report. Date XX/XX/XXXX amount XXXX . I sent a certified affidavit to XXXX and the company Carter-Young Inc, disputing the alleged debt. I did not authorize the account, and on my credit report says " JOINT '' account and I did not have a contract with the company Carter Young Inc. As stated above I have been a victim of identity theft. I also provided proof with a police report and didn't get a response from the company. I am requesting that the following account be removed immediately from my credit report.
Consumer complaint received 2020-02-07
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 — Was not notified of investigation status or results
Company: AMERICAN HONDA FINANCE CORP (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.