davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (TX)

I was checking my credit and noticed that there was a debt collector agency on it by the name of National Credit Systems Inc. dated XX/XX/2018. I immediately called the landlord XXXX XXXX in XXXX XXXX, Texas that the debt came from to see what it was for and wanted to know why I did not receive a notification letter because I never received one from the collections agency or a call before the debt was placed on my credit. I could not reach them so I called management company XXXX XXXX and spoke with someone in the billing department and she claimed the assistant manager XXXX at XXXX XXXX claimed a letter was sent but returned per email dated XX/XX/2018. This is not true and I do not believe it. I gave them all of my forwarding information and I never received anything. Not sending a notification to tenant regarding debt is a violation of Texas tenant law because the notice should come within 30 days after departure which was XX/XX/2018. Texas law sec 92.109. XXXX sent me straight to this collections agency. The collections agency sent me a letter on XX/XX/2018 4 months after it was placed on my credit and 7 months after my departure from XXXX. XXXX XXXX from National Credit called me in XX/XX/2018 on a recorded call and said that she will send me another letter with verification to assist me in disputing the debt. I never received the verification letter from National Credit Systems , Inc. She immediately sent me to a third party. I called National Credit Systems and asked where was the letter and they said I had to talk to the third party company. This was another violation Texas law sec 92.110. This was wrong and should have followed proper protocol. The debt collection company violated me here and I never got to dispute with them if I needed to. They also placed on my credit that I did dispute the matter which is false and manipulative. The collector made an improper move here that was not right. I never ever received anything after the first letter. I think it's unfair to pay for something without verification as to what it is and with so many scams out there when this happened I didn't trust the situation and wanted to call the authorities because I feel that National Credit Systems , Inc. and XXXX XXXX have violated the Texas state tenant law here with how this was all handled to get money and that the debt was bogus. I also feel that this situation was manipulated on purpose due to personal issues with the assistant manager XXXX. I feel that she was manipulative and made promises that she did not keep. This was a new management company that came in under this lease and I assure you that the old management company would have never done this. This is improper treatment and I feel totally violated.
Consumer complaint received 2018-09-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (OK)

Debt collection from XXXX XXXX in Florida. Advised Experian and the XXXX XXXX XXXXXXXX XXXX that I have never been to Florida and I live in Oklahoma. Experian has advised that the Collection is valid. I have requested from both Experian and the XXXX XXXX for validation of the debt and have yet to receive any update.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I recently reviewed a copy of my credit report. I am in shock that I have been a victim of identity theft. I found an account on my credit report by the name of : XXXX opened XX/XX/2021. 

I have no knowledge of ever signing up for this account. The account was not opened by me at all. Please remove this account from my credit report as soon as possible. Thanks in advance! I have also attached my identity theft report as well.
Consumer complaint received 2018-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (CA)

I have attempted to file a dispute. The company is a bunch of unprofessional clowns on the phone. They sent my dispute forms to the wrong address. I have been unable to reach the dispute department and left three different messages fir them to call me back which they have not. I began to tell my story to an agent from that department today, after holding for 30 minutes and she immediately hung up in my face.
Consumer complaint received 2018-09-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eagle Accounts Group, Inc. (FL)

Since XXXX The child support collection agency has been illegally taking money from me pay check. I have filed numerous motions in court and also sent the agency notarized letters requesting proof of this debt. so far the child support agency has taken XXXX dollars from me and have no proving that I owe them any money. I have visited there office and they basically didn't want to help me. This agency is a fraud they are using the social security number that I have been authorized to use and I have never giving them permission to use it. In fact they continue to track my work by use of this number which is a felony. they are reporting to the credit agency.
Consumer complaint received 2018-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (TN)

I have always paid all of my bills in full and on time, I monitor my credit report almost daily and have 0 past due accounts with any company. The letter they sent says it's for some company called XXXX XXXX which I can't find any real information about except they deal with debt collections as well. More than likely this is a scam to collect a debt that doesn't exist or somehow got me mixed up with someone else. I receive non stop calls from some scam number which I can't answer on my phone and it's getting almost abusive. Since they never leave voicemail I can't verify this is the same company but the calls started around a month ago which is close to the date of this letter.
Consumer complaint received 2018-09-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (CO)

Experian is reporting two very specific things on my Credit Report that are not mine. One is a Name of XXXX XXXX. I have never been known by this name and this name is not mine so this is wrong.this needs to be removed immediately! 

Also they are reporting a collection account that is not mine. I have never been a patient of this place. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX Address identification number XXXX This is not mine, this needs to be removed. I have never been a client or patient of this group. But if they have my SS # and have said they have provided service to me they are liars and they are committing fraud. VIOLATION OF XXXX!
Consumer complaint received 2018-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION (VA)

Opening a checking account with M & T bank responding to an promotional offer. Mentioned the {$250.00} bonus and met all the requirements. However, the account only received a {$100.00} bonus. This shall be due to banker 's mistake or bonus system error.
Consumer complaint received 2018-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I've been writing all three credit bureaus since last XX/XX/2017 ( see attached ) XXXX, Experian, XXXX Dispute Letters with the dates times and amounts there was a total of XXXX inquiries. I also disputed a closed account with XXXX 's even with the police report they said its mine the account is but paid off in full there is a police report that states its not mine. There are new inquires that I just updated the police report with them and I need them removed immediately and not in 30 days. There is a collection account as well that is not mine on all three bureau ( see attached ). I just want the following done about this matter
Consumer complaint received 2018-09-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Account # XXXX, XXXX, and XXXX To Whom It May Concern : Portfolio Recovery Associates ( PRA ) reported the above accounts falsely to XXXX, XXXX  and XXXX because of the following reasons : - PRA violates FDCPA 15 USC 1692e ( 2 ) ( A ) by falsely characterizing the account as an Type Of Account : Open Account on my XXXX credit report. 
and PRA violates FDCPA 15 USC 1692e ( 2 ) ( A ) by falsely characterizing the account as Type Of Loan : Factoring Company Account on my XXXX and XXXX credit report. 

- With respect to the " Type Of Loan : Factoring Company Account '' notation on my XXXX and XXXX  report : I do not have any known type of agreement or contract in writing or otherwise with PRA or the alleged original creditor that creates or procures any type of Factoring of alleged monies owed, nor am I aware of any agreement or contract that PRA has with the alleged original creditor granting them specific rights to factor the alleged monies owed. In order for monies to be factored, the debt must be in good standing.
Consumer complaint received 2022-11-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (NV)

I have asked for a copy of a signed SSA-89 and an original contract form from me to them giving them access to my credit report profile ( s ). They have not provided it and are still accessing my consumer credit profiles. They are engaging in the theft of my identity. Please see attached.
Consumer complaint received 2018-09-10
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: Financial Credit Network Inc (CA)

I did an extensive background check on my XXXX County collection report and found that my debt is due to unpaid Medical services. Well I made them aware at that moment that I am recieving government aid and have been since XX/XX/1999. Well I was told that there was no medical coverage recorded. But if my medi-cal information was serquestered as I requested then there should be no bill. The Fire Department charged off my overdue ambulance service bills and that is 79 % if not more of my credit debt. I would like it reivestigated and corrected as the Fire Department and the Collections Co. said it can be done ... please. This has affected my bank accounts, credit cards, etc ...
Consumer complaint received 2018-09-10
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: CITIBANK, N.A. (CA)

On XX/XX/2018, I submitted to CFPB my complaint against Citibank about a Visa credit card charge dispute resolution. Citibank responded by letter of XX/XX/2018, denying my request. XXXX XXXX of the " Executive Response Unit '' gave the same reasons as in the previous denial, which reveals that he failed to independently review the factual documents I submitted and simply adopted the previous flawed decision which falsely stated that I failed to timely submit factual information and relied solely on the information submitted by the merchant. On XX/XX/2018, I sent a Certified Mail letter to Mr. XXXX containing my demand for certain information/documents in order to consider proceeding with a claim against Citibank for breach of the credit card contract. Therein, I requested a copy of the XXXX Citibank Consumer Agreement pertaining to dispute resolution of contested charges and Citibank 's policy on handling these disputes. Mr. XXXX and Citibank have ignored this request for documents and information. I, therefore, request the assistance of CFPB in submitting my current complaint to Citibank seeking this information.
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit was recently run on the above date XX/XX/2023 without my consent or authorization. Without presidential if this becomes a fraud case I did not consent for this company or business to run my credit. The name of the company is XXXX XXXX XXXX
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This creditor has illegally re-aged my accounts and the creditor and CRAs have failed to rectify the problem after multiple requests and a previously filed complaint with the CFPB and NCUA. 

The accounts appear to have been charged off in XX/XX/XXXX, first delinquency reported as of XX/XX/XXXX. However, the credit card account then begins to show as if it was being paid again from XX/XX/XXXX to XX/XX/XXXX and then resets to 30 days delinquent in XX/XX/XXXX then charged off again in XX/XX/XXXX. The one that was finally fixed ( XXXX ) shows that it will be removed as of XX/XX/XXXX, the other ( XXXX ) now reflects that it will be reported until XX/XX/XXXX, meaning the date of first delinquency was reset. 

These accounts have been illegally re-aged and should be immediately removed from my credit report.
Consumer complaint received 2018-09-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (NY)

In XXXX I applied for and received a GE Money Bank Credit Card with the understanding that I would start payment in 6 months but billing started immediately. I tried unsuccessfully to change the terms with GE Money Bank based on what I felt was a BAIT & SWITCH Scheme. GE Money Bank did not agree but they stopped billing me. The item was placed in collections and has since been on my credit report. AT THAT TIME I WAS UNAWARE THAT IT COULD HAVE BEEN DISPUTED. I eventually disputed it in XXXX and was informed that it would be in XX/XX/XXXX but GE Money Bank sold the account to XXXX XXXX and created what appears to be a recent collections item. XXXX XXXX has placed the item on my credit report, significantly reducing my credit score by 26 points for a debt that is over 7 years old and one that they have not yet billed me for. I have disputed the matter with XXXX and XXXX XXXX and they both confirmed that the debt would be removed in XXXX but I believe because of the mitigating circumstances, it should be removed immediately. Thank you for your consideration in helping me resolve this matter.
Consumer complaint received 2018-09-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (OH)

I have been paying my loans through XXXX XXXX  since 2015. Whenever I make a payment either through Credit/Debit, Checking/Savings Account or automatic payment ; there is a fee of 3.95 % of the payment, plus an additional {$1.00} fee for one-time or reccuring payments. None of my other student loan providers demand such fees and it seems unjust that this is required.
Consumer complaint received 2022-07-10
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. (NC)

I did not open a XXXX XXXX credit card on XXXX/XXXX/2021. I did not use, authorize, or consent to my information being used to open this account.XXXX, XXXX, Experian have not removed it from my report. XXXX XXXX XXXX has not responded to my inquires about this account. I want this removed from all XXXX of my credit reports.
Consumer complaint received 2019-05-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc. (VA)

GM Financial provided certificate # XXXX for four months lease pull ahead for use if I purchase or lease a new vehicle by XX/XX/2019. The certificate states, " XXXX will cover up to 4 lease payments up to {$2500.00}. '' I leased a new vehicle on XX/XX/2019 and met all the terms of the certificate. On XX/XX/2019, XXXX months after I turned in the previously leased vehicle, GM Financial refused to honor the lease pull ahead and sent me a bill for {$1200.00}. I have been stuck in the middle between GM Financial and the dealership.
Consumer complaint received 2018-09-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Riverwalk Financial CORPORATION (OR)

Riverwalk called me to offer help lowering my student loan repayments however they did not explain the fee will apply. Instead they declared the money will go toward my loan repayments considering giving a fault statement. I did not want to pay fee to lowering my loan because it can be done free through fafsa.
Consumer complaint received 2022-07-10
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. (SC)

XXXX  account is being reported although I have advised Experian this is a fraudulent account that are being listed. I have also filed an FTC report on behalf of the XXXX  accounts listed on my report. 

XXXX XXXX ( XXXX XXXX ) is also still being listed on my XXXX although I have disputed this information several times as a fraudulent account. 

XXXX  Account numbers : XXXX, XXXX XXXX XXXX  Account Number : XXXX XXXX
Consumer complaint received 2022-07-10
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. (NC)

I did not open a XXXX XXXX credit card on XX/XX/2021. I did not use, authorize, or consent to my information being used to open this account.Equifax, XXXX, XXXX have not removed it from my reportXXXX XXXX XXXX XXXX has not responded to my inquires about this account. I want this removed from all XXXX of my credit reports.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

CHARGE OFF REMOVAL XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To whom it may concern : As you know it is against the law to report any inaccurate information. 
The IRS defines a charge off as : gross or ordinary income- so how is this reporting as debt on my consumer report. There are 2 inaccuracies on my consumer report ; XXXX XXXX  and XXXX XXXX that you are reporting unlawfully. 

You are in violation of 15 USC 1681- accuracy and fairness of credit reporting ; ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Furthermore, you are in violation of 15 USC 1681b - Permissible purposes of consumer reports which states : any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. - I have NEVER given you written instructions to report this on my consumer report. 

You are in violation of 15 USC 6801 : Obligations with respect to disclosures of personal information. You were supposed to PROTECT my information, instead you unlawfully reported inaccuracies. 

You are in violation 15 USC 6802 - There were three ( 3 ) disclosures that you were legally supposed to provide me with that you did not. I was not provided with any of these disclosures. 
1. You were supposed to inform me if you were going to report anything on my consumer report, which you did not. 
2. You were supposed to provide me with a way to opt out, which you did not 3. You were supposed to inform me how to exercise my right to opt out and what steps to take to not report on my behalf, which you did not. 

There are multiple federal violations here. 
I demand this charge off to be permanently deleted from my consumer report, immediately
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX, XXXX XXXX XX/XX/XXXX SYNCB/GOOGLE XX/XX/XXXX XXXX XXXX XX/XX/XXXX CAP XXXX NA XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX CAP XXXX NA XX/XX/XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CO)

Re : Consumer Financial Protection Bureau Complaint - Removal of Non-Mailable Address Dear Equifax Information Services, I am writing to dispute and request the immediate removal of a non-mailable address from my credit report. The address in question is as follows : XXXX XXXX XXXX XXXX XXXX, CO XXXX I would like to emphasize that XXXX  no longer reports this address, and its presence on my Equifax credit report poses a potential identity theft risk. In order to uphold the accuracy and security of my credit information, I kindly request Equifax to expeditiously remove the non-mailable address mentioned above. 

I am seeking a comprehensive investigation into this matter and expect confirmation of the removal, sent to my address listed above. Your prompt attention to this issue is crucial, and I look forward to a resolution within the specified time frame. 

Sincerely,