davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (TX)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2024-04-05
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. (GA)

Collection agency has not provided validation information uner 12 CFR 10006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report.

I have not been given a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating my consumer rights by using false misleading, misrepresentation and decptive means.

Collection agency has no authority to furnish my account to a consumer reporting agency without my providing and and all disclosuresrequired by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-52 ( 7 ) ( A ) I am disputing owing any and all debts to them. I revoke all rights of all claimants communicating with me through email, texts and calls.

I am requesting debt validation. I am also requesting the purchase agreement between the debt collector and the original creditor.

I am also requesting that the debt collectors are licesened and bonded
Consumer complaint received 2019-08-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (TX)

This dispute was filed incorrectly I have tried numerous times to correct that with this company however they have delayed and tried to prevent me from doing so. XXXX XXXX a rep from the corporate office has been corresponding with me even though he has admittedly no authority to resolve me issue this charge occurred on XX/XX/19 it is now XX/XX/XXXX. Mr XXXX idea of a resolution would be to just now submit my information to the dispute team for review even though Ive advised numerous upon numerous times that it was filed incorrectly. This is egregiously incompetent it is nearly four months since the charge occurred and they have yet to credit my account. Please assist.
Consumer complaint received 2022-07-07
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: PNC Bank N.A. (GA)

15 U.S. Code 1666 - Correction of billing errors Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.
Consumer complaint received 2018-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (HI)

I have disputed the late payments XXXX   XXXX account for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, Credit Reporting Agencies are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 
XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$10000.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$6100.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$6300.00} XXXX XXXX XXXX Balance Owed : {$6400.00}
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

A couple of years ago, I had a catastrophic event that prevented me from paying my XXXX XXXX bill. They quickly snowballed my minimum payment amount to well over {$1000.00}, which wasn't feasible when I couldn't even make the regular minimum payment. 
I called several times to try to work with them, but they wouldn't accept a lower payment. Finally they transferred me over to internal collections, who breezed through three different payment plans, discouraged questions, and refused to send me anything in writing, telling me that it was a " one-time offer. '' I refused to agree to anything without being given something in writing beforehand, so she hung up on me. 
I then found out that XXXX reported me as deceased. I have tried to contact XXXX to correct the issue, and I have reported the error to Transunion and XXXX, but I have not been able to remove the " Deceased '' designation from my file. This has resulted in multiple negative impacts - making it difficult to resolve accounts, only being able to qualify for a ridiculously high interest rate on a car loan, and being denied a secured card to help improve my credit scores.
Consumer complaint received 2022-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

CREDIT COLLECTION SERVICES is communicating with me ( such as furnishing information on my consumer report to consumer reporting agencies ) about an alleged debt that I refuse to pay pursuant to 15 U.S. Code 1692c ( c ). CREDIT COLLECTION SERVICES has violated my rights as a consumer under the CONSUMER CREDIT PROTECTION ACT. CREDIT COLLECTION SERVICES is furnishing deceptive information to consumer reporting agencies as well as using deceptive, abusive, unjust means to coerce the collection of an alleged debt that I DO NOT OWE. Debts are the obligations of the UNITED STATES XXXX NOT ME. CREDIT COLLECTION SERVICES furnished information to consumer reporting agencies WITHOUT MY CONSENT. 

I attached my CEASE & DESIST letter with this complaint and the return receipt as evidence that I contacted CREDIT COLLECTION SERVICES regarding this issue and that CREDIT COLLECTION SERVICES received my correspondence.
Consumer complaint received 2022-07-07
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. (LA)

" The Heroes XXXX ensures that consumers are held harmless and do not suffer further damage by having late payments ruin their consumer credit report and reduce their credit score, which in turn limits their ability to to get affordable credit or even a job. '' ( Per Heroes Act ) I was affected by the XXXX XXXX which caused me to have late payments. 
According to the Heroes Act ( Section 110401 ), - suspends negative consumer credit reporting during the Covid-19 Pandemic plus an additional 120 days. 
- Prevents credit scores from being ruined during the Covid 19 Pandemic including late payments reporting on consumer credit file and report. 

I also sent a dispute letter for late payments that I was affected by during Covid- 19 by certified mail. The delivery tracking number for XXXX is XXXX with XXXX and was delivered on XX/XX/2022. 

I also sent a dispute letter for late payments that I was affected by during XXXX XXXX by certified mail. The delivery tracking number for Experian is XXXX with XXXX and was delivered on XX/XX/2022.
Consumer complaint received 2019-08-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (FL)

I purchased a new XXXX XXXX XXXX in XXXX with a down payment of {$15000.00} & a XXXX XXXX with a {$7000.00} down payment on XX/XX/XXXX I learned from the VP OF GM FINANCIAL that they had made a business decision not to do business with me any more and they either 1 needed their collateral back 2. needed a payment in full 3. I could let them repo the vehicle and id have ten days to pay off or they where going to court in front of a judge to force me to turn in the truck and the only payment options we had where in cash at a XXXX XXXX or certified check & the account had a payoff of {$64000.00} for the XXXX and {$42000.00} for the XXXX The purchase price for the XXXX was {$60000.00} and {$40000.00} for the XXXX ON XX/XX/XXXX I made 2 payments I paid what the print out of the payment said ( see attached ) 1 payment in the amount of {$5000.00} and another for {$270.00} for the XXXX and {$3200.00} for the XXXX they received the funds that same day I called on XX/XX/XXXX and asked why was my balance still {$64000.00} & {$42000.00} when my account balance was {$60000.00}. &. {$40000.00} and I had just paid almost XXXX between both accounts they did not want to explain or couldn't explain why so I went to the XXXX dealer and the finance manager was more confused then myself. I called XXXX XXXX which is the only person that can give me any information about my accounts according to CS at GM FINANCIAL and she tells me that the payments where rejected and id have to contact XXXX XXXX to recover my funds and the accounts needed to be paid in full so I tell her ok no problem I called a credit union which approved me and half way thru the process they inform me of a situation that was preventing them from completing the refi and that id need to call FL DMV. FL DMV explain to me that there was a stop placed on my vehicle 's TITLE and that id need to call GM. GM explained that they placed a freeze on the title until it was paid off I explained to them I was trying to pay them off I was doing a refi thru my local Credit Union and that with a title stop they where unable to complete the refi they refused to help me and explained that they where not going to allow me to refi or pay off the account and that the only option I had at this point was giving them my address so that they could recover their vehicles this was on XX/XX/XXXX I called XXXX XXXX to recover the 3 payments that had not been applied to my accounts and rejected according to GM Financial XXXX XXXX explained that they where not rejected and that they would have to email GM to get a refund for me to contact them in 24 to 48 hours so I called 48 hours later GM replied that the payments where applied to the accounts no refund. so I have no refund the 3 payments I made where rejected and not applied to my account but they were not refunded to XXXX XXXX or to myself and they will not remove the title stop so I can't refinance although already approved with new bank ready to take over and ay them in full
Consumer complaint received 2019-08-02
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: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Not enough information to verify debt : In XXXX, XXXX and XXXX of 2019 I requested an investigation to verify an debt owed by me to PORTFOLIO RECOVERY ASSOCIATES in the amount of {$730.00}. Verification according to the FAIR CREDIT REPORTING ACT section 609 ( a ) ( 1 )  ( A ) through the PHYSICAL verification of an original signed consumer contract has not been established and I have yet to recieve the documentation that I requested. They continue to be in violation of the FCRA and the FDCPA and are causing severe damage to my credit report.
Consumer complaint received 2019-01-14
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: CITIBANK, N.A. (TN)

Identity Theft XX/XX/XXXX someone opened an auto loan in my name under XXXX XXXX and now its in collection. closed XX/XX/XXXX XXXX XXXX hi balance of XXXX   closed XX/XX/XXXX is not mine XXXX XXXX opened XX/XX/XXXX someone used my ssn for this account. not mine. this account closed onXX/XX/XXXXXXXX XXXX XXXX. this account went to collection. opened XX/XX/XXXX. not mine XXXX openedXX/XX/XXXX. not my account closed XX/XX/XXXX XXXX XXXX XXXX   opened XX/XX/XXXX balance XXXX is not my account XXXX XXXX XXXX   showing as a charge off. this is not my account Bankruptcy XX/XX/XXXX error. not mine
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have contacted XXXX, Experian and XXXX about false, inaccurate reporting in formation on my credit report. I have sent in multiple certified letters to get this Information removed from my credit report. They have said the information was verified but in accordance with a CFPB complaint I did directly with the reporting company this account is in a cease and desist and should be deleted from my credit report immediately. 


CFPB Complaint Number : XXXX Company 's Response XXXX XXXX XXXX reviewed and investigated the complaint. XXXX XXXX XXXX is a third-party debt collection agency acting on behalf of the original creditor. We did not purchase this debt. According to the original creditor, this is a valid debt. XXXX XXXX XXXX updated XXXX XXXX dispute and notified the credit bureaus as required by law. We requested verification of the debt from the original creditor and will mail a copy to XXXX XXXX upon reception. We updated XXXX XXXX account to cease and desist further communication regarding the matter, pursuant to her request. Aside from mailing her verification of the debt as she requested, XXXX XXXX will not receive further communication from XXXX XXXX XXXX regarding the matter. XXXX XXXX XXXX wants to help bring resolution to this matter. If XXXX XXXX has any questions or concerns, she can contact me directly. My name is XXXX XXXX, I can be reached toll free at XXXX extension XXXX or emailed at XXXX. Thank you for your assistance and resolution regarding the matter.
Consumer complaint received 2022-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (OH)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2017-06-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (VA)

I received a letter dated XX/XX/XXXX  from The Receivable Management Services Corporation indicating that   XXXX   XXXX   XXXX   had placed a request for payment of {$200.00}. They asked that I submit payment to Receivable Management Services Corporation at   XXXX   XXXX   XXXX  ,  XXXX , OH  XXXX . The letter stated that " When you provide a check as payment, you authorize us to either use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. For inquiries, please call the number at the top of this notice. '' The number listed was   XXXX  . They also indicated that I could pay by phone at   XXXX   or go to http : //www.rmsna.com/payrms : user id =  XXXX  & password =  XXXX . The letter indicated that the claim number was  XXXX  and the reference number was  XXXX . An attachment to the letter indicated that the detail number was  XXXX - and the service date was  XX/XX/XXXX . the letter is attached.
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In the summer of  XXXX , I booked a flight to   XXXX   XXXX    through  XXXX . I purchased travel insurance in case I was not able to go on the flight. I was not able to go. I understood from   XXXX   that the ticket could be reused within the year for a domestic flight provided the differential was paid between the two flights. Later that year, I went to   XXXX   XXXX  . The difference in cost was {$37.00} which was paid. I have received three phone calls from people who identify themselves alternately as  XXXX  or Receivable Management Services Corporation (  XX/XX/XXXX , XX/XX/XXXX ,  XX/XX/XXXX  ; all in  XXXX  ). Twice the call came from   XXXX   XXXX   XXXX   XXXX   ; once the call came from   XXXX   XXXX   XXXX   XXXX  . The speaker on all of the calls sounded like he was   XXXX   or  XXXX . I eventually hung up on the calls.
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I did not believe that I owed  XXXX  {$200.00}, but I called them to confirm. They sent me an email confirming that I do not owe {$200.00}. The people with whom I spoke sounded like they were at a call center, but I was supposedly speaking with a supervisor. The email is attached.
Consumer complaint received 2017-06-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

XXXX  midland funding is stalling by saying i hired an attorney i did not..the cell phone was bought by my husband i asked for proof that i picked up the phone and they did not produce it i know for a fact he got the phone about 14 years ago iin a cell phone store it is not my    XXXX   XXXX    bill
Consumer complaint received 2022-12-15
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. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Birth - XX/XX/ { Date } XXXX To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATIONThe accounts/ INFORMATION below are reporting incorrectly REMOVE INCORRECT PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect. 
1 : Incorrect Addresses XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX 2. : Incorrect Name Variations, * NAMES REPORTED * XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX * XXXX XXXX UPDATE PERSONAL INFORMATIONAlso please update the following information which I saw your credit bureau to be missing or incomplete:1. Personal current address { XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX } 2. My proper full name { XXXX XXXX XXXX XXXX }, if the bureau has listed it incorrectly } 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. Code 1681n - Civil liability for willful noncompliance. 1 ) ( A ) 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} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results Truly, { XXXX XXXX XXXX XXXX }