davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NY)

XX/XX/2019 Transworld Systems INC XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX RE : VALIDATION OF ACCOUNT Account # : XXXX To Whom It May Concern, I neither affirm, nor deny this purported debt. You claim I owe your company {$430.00} This letter is being sent to you in response to an entry made on my Credit Report dated [ date ]. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested.

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act.

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes.

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number?

2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.

3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6. What did you pay for this account, and how did you calculate the current amount owed? 

I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. 

In addition, the Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed. 

I have sent a copy of this request for validation to the three national Credit Reporting Agencies to begin their 30-day investigational process concurrent with your investigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Consumer complaint received 2023-01-27
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: LEXISNEXIS (MN)

LexisNexis must submit disputes to the originating consumer reporting agency and forward the results received from the nationwide consumer reporting agencies to the consumer when the nationwide consumer reporting agencies complete their??? 

Could you provide me a description of your procedures as to how do you respond back to XXXX XXXX And or XXXX dispute process compliance under FCRA XXXX A ( XXXX ) it is my legal right and you must provide me of your company compliance and FCRA guidelines within 15 days please and I think you XXXX
Consumer complaint received 2019-09-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (CA)

I held Bitcoin at Gemini. Gemini credited me with the Bitcoin ABC from the fork, but never credited me with the Bitcoin SV. The founders feel that Bitcoin SV is not a very good coin, therefore I should not be able to redeem my {$400.00} in Bitcoin SV. I do not think their ideology matters - if a stock splits into two different companies and my broker doesn't like one of them, what right do they to decide that I only get one of the stocks? Gemini 's actions are clearly fraudulent and unless they are willing to credit me with my money the only reasonable result is a class action lawsuit for all of the users that have lost money because of the founders ' ideologies. 

I previously complained to the company and regulators. As a result, on XX/XX/2019 I received an email notifying me that they were closing my account. 

Gemini stole from me and many of their users. I spoke up and they banned me.
Consumer complaint received 2019-09-22
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. (SC)

First and foremost I do not want a fraud alert on my credit, it hurts the consumer and obviously doesn't protect the consumer. The attached table represents someone with a mid eastern voice calling several and multiple dealerships within XXXX, SC and throughout, submitting an over the phone application in my name, and the dealership or entity didn't verify the person on the other end of the phone was indeed the consumer that this information belonged to, and submitted it for credit approval at multiple places for some stated vehicles. This verification was done by calling the selected and reported businesses, and having been informed that the person wasn't me, based upon accent. The attached information, and table represent that these inquiries weren't performed with permission or authorization by me.
Consumer complaint received 2019-09-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Select Management Resources, LLC (TX)

I was desperate due to an emergency so immediate after paying off a title loan I obtained another. The whole thing was flaky and I pretty much never received what the company says that I did and the lady that had me sign the paperwork and follow her to the bank afterward doesnt work there anymore conveniently. She led me to believe that she needed to cash the check to give me the money but really once I got to the bank she came up to my car and asked me to go in. So being the desperate nieve individual at that time I did. Once inside the bank she straight up just left me in the line leaving me with no choice but to cash this check. I assumed I could keep the {$3500.00}. She quickly snatched the cash from my hand and said she needed to count it to drive and follow her back to the store again. She ended up only giving me XXXX. I never got a copy of the contract she made me signed contract or anything from these people. I received a release of lien letter by mail one day so I assumed that this meant the employee stole that money or something. Wasnt sure what had happened since again Ive never recieved a call or letter or anything. I went and got my title back at the XXXX and about a month later in XX/XX/2019 it was repossessed. I finally was directed to a lady who says shes the attorney and that she is putting me in prison for forgery!!!! Is this okay? They arent listed on the title and to date still have my car!
Consumer complaint received 2023-01-27
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2020-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (KY)

I have sent six payments that PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX claim they do not have which is not true. I have contacted XXXX and XXXX XXXX   XXXX XXXX and they sent a letter and receipt mortgage company has payemts but they are not getting credit to my account. I can not get any help from them and I need help to credit account and suspense balance to bring me a month a head this is so unfair please help thank you. 
XX/XX/XXXX express payment XXXX XXXX ref XXXX XXXX The next five were made through XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX ref XXXX XX/XX/XXXX XXXX ref XXXX XX/XX/XXXX XXXX ref XXXX XX/XX/XXXX XXXX ref XXXX XX/XX/XXXX XXXX ref XXXX total amount XXXX for all six payments no applied and there is almost XXXX in my suspense balance they are not posting.
Consumer complaint received 2019-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (MI)

An attempt to make payment for the month ofXX/XX/2019 was unsuccessful due to inability to access account with regular credentials after countless tries. I was without cell phone reception on and off for days due to travel. I was finally able to gain access to account after making a password change. When I saw the remaining balance .... it was my immediate reaction to pay the entirety of the remaining balance. Mostly to avoid anymore account accessing issues. Very frustrating. I was elated to have the account in good standing and finally closed. Until ... I received emails months later stating I had a balance. Unable to gain access to the account to resolve issue financially, I called. Over the phone I explained why payments werent made. We settled the issue with the agreement I would pay {$89.00} as a final payment. I have received a receipt for transaction. This receipt contains NO indication that this account is now closed. 
I had no way of knowing if this account had gone to collections or not. As both XXXX XXXX XXXX and lending club patient solutions sent me updated information about my account and payments via email since the establishment of this account. 

I was unable to make my first payment without calling. I was then directed to a website that was not indicated on my statement. XXXX From which I made an account and began making payments monthly. 
I received this loan for dental
Consumer complaint received 2024-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (NC)

CKS Prime Investments , LLC has placed a collection account on my credit reports. I do not owe this debt and CKS Prime Investments has not provided proof of a written agreement where I signed a copy for this debt or any validation information. Also CKS Prime Invesments is not registered in my state of North Carolina with a debt collection permit and not registered in North Carolina to collect.
Consumer complaint received 2019-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (MI)

An attempt to make payment for the month of XX/XX/2019 was unsuccessful due to inability to access account with regular credentials after countless tries. I was without cell phone reception on and off for days due to travel. I was finally able to gain access to account after making a password change. When I saw the remaining balance .... it was my immediate reaction to pay the entirety of the remaining balance. Mostly to avoid anymore account accessing issues. Very frustrating. I was elated to have the account in good standing and finally closed. Until ... I received emails months later stating I had a balance. Unable to gain access to the account to resolve issue financially, I called. Over the phone I explained why payments werent made. We settled the issue with the agreement I would pay {$89.00} as a final payment. I have received a receipt for transaction. This receipt contains NO indication that this account is now closed. 
I had no way of knowing if this account had gone to collections or not. As both comenity XXXX XXXX and XXXX XXXX patient solutions sent me updated information about my account and payments via email since the establishment of this account. 

I was unable to make my first payment without calling. I was then directed to a website that was not indicated on my statement. Comenity.netXXXX From which I made an account and began making payments monthly. 
I received this loan for dental
Consumer complaint received 2019-09-22
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. (KS)

I contacted XXXX to update my address after moving. I was under the impression the I was still under a Hardship Deferment. However, I was not notified by XXXX that my Hardship Deferment had ended. They advised that they attempted to reach out to me. The email address they indicated that they sent notifications to when reviewing the email they had a typo in the email address. I never received a phone call to notify that the Hardship Deferment had ended. Due to not being contacted my credit score dropped XXXX pts. 

I called and talked to multiple representatives at this organization and was advised that they would update backdate and address update my account showing that I was not actually 90 days past due. I was advised originally that they would be able to get this updated on my credit report. 

However after putting the dispute in, and refilling paperwork to get onto a new payment plan, I was advised that they would not be able to update my credit report due to " federal regulations ''. 

They recognized that they did have a data entry error, however they indicated since I did not fall under certain criteria they wouldn't be able to update my records. 

I submitted a dispute with Transunion regarding this informing them of the error, and I never got a response. I contacted XXXX again, now I am on a {$0.00} payment plan for 12Months, but my credit score never was addressed with no true answer other than that the company indicated that I was late.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

I have filed a formal complaint to the CFPB. Complaint Number XXXX I wrote a letter to request that XXXX XXXX XXXX cease and desist from sharing my nonpublic personal information with non-affiliated third parties and consumer reporting agencies, as per my rights under 15 U.S.C 6802.

According to the provisions outlined in the Gramm-Leach-Bliley Act ( GLBA ), I have the right to opt-out of having my nonpublic personal information disclosed to non-affiliated third parties and consumer reporting agencies. 
I hereby exercise my right to opt-out of any such sharing of my nonpublic personal information. Please ensure that my information is not disclosed to any non-affiliated third parties or consumer reporting agencies from the date of receipt of this letter and going forward. 
Furthermore, I request that you confirm in writing within thirty ( 30 ) days of receiving this letter that my opt-out request has been processed and that my nonpublic personal information will no longer be shared as described above. 
Please acknowledge receipt of this letter and provide confirmation of compliance with my opt-out request at your earliest convenience. You may send the confirmation to the address provided above. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2022-03-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ragan & Ragan, PC (NY)

Collection law firm based in XXXX XXXX with satellite office in XXXX, XXXX reneged in satisfaction letter of past credit card debt dated XX/XX/22 printed on letterhead from XXXX XXXX XXXX. ( Garnishment order carried out by XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-09-22
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. (CA)

XXXX XXXX XXXX ( XXXX ) reported wrong information on my credit report stating I had a late payment for 30 days. I have never got any letter, call or communication from them stating I am behind in payments. I always made my payments on time and was really surprised or stressed seeing this wrongful information in my credit reports. I contacted XXXX XXXX telling them to check their information and delete this wrong report but they stated they are unable to do anything about it. I am a responsible U.S. resident who works and pays his bills and taxes on time. This fact made me stressed and I want the Government Agencies to help me to overcome this hard situation and clean my report from these mistakes and make my life better. Thank you for your support and understanding.
Consumer complaint received 2019-09-22
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. (CA)

XXXX XXXX XXXX ( XXXX  ) reported wrong information on my credit report stating I had a late payment for 30 days. I have never got any letter, call or communication from them stating I am behind in payments. I always made my payments on time and was really surprised or stressed seeing this wrongful information in my credit reports. I contacted XXXX XXXX  telling them to check their information and delete this wrong report but they stated they are unable to do anything about it. I am a responsible U.S. resident who works and pays his bills and taxes on time. This fact made me stressed and I want the Government Agencies to help me to overcome this hard situation and clean my report from these mistakes and make my life better. Thank you for your support and understanding.
Consumer complaint received 2019-09-22
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. (IL)

XXXX XXXX Has reported on my TransUnion report on ( XX/XX/2018 ) I DO NOT own or have any accounts with this company, I dont know who they are. I need this DELETED from my TransUnion report immediately.
Consumer complaint received 2019-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

Me and my husband have a XXXX XXXX card that is not showing on my XXXX   account, and I also have a XXXX XXXX card not showing on my Equifax account.
Consumer complaint received 2019-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Me and my husband have a Capital One card that is not showing on my XXXX   account, and I also have a XXXX XXXX card not showing on my XXXX account.
Consumer complaint received 2019-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Me and my husband have a XXXX XXXX card that is not showing on my TranUnion account, and I also have a XXXX XXXX card not showing on my XXXX account.
Consumer complaint received 2019-09-22
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. (IL)

XXXX XXXX, XXXX Has reported on my TransUnion report on ( XX/XX/2018 ) I DO NOT own or have any accounts with this company, I dont know who they are. I need this DELETED from my TransUnion report immediately.
Consumer complaint received 2019-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (FL)

Me and my husband have a XXXX XXXX card that is not showing on my XXXX   account, and I also have a Citi Bank card not showing on my XXXX account.
Consumer complaint received 2019-09-22
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: Experian Information Solutions Inc. (FL)

Experian is reporting info about the following accounts past the two year period The accounts are as follows : XXXX Schedule Removal Date - XX/XX/2019 XXXX scheduled Removal Date - XX/XX/2019 XX/XX/2019