davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Management Outsourcing, Inc. (TN)

I've been trying to get my credit score fixed, and all of a sudden this collection company added 4 collections to my credit report like if I owe them money, I have never heard about them or a debt related to them, I was never notified and I've definitely never heard about them.
Consumer complaint received 2022-07-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (FL)

I received at statement from Wellsfargo on XX/XX/2022. I never bank with this bank. I called today XX/XX/2022 with no help. So I will be going to the bank on Thursday XX/XX/2022. If no help I will get a police report.
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: EQUIFAX, INC. (NV)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date of Birth - XX/XX/1994 { 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 XXXXXXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX 2. : Incorrect Name Variations, * NAMES REPORTED * XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX * XXXX XXXX UPDATE XXXX XXXX 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 XXXX  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 }
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I have a total permanent XXXX and my student loans have been discharged. 

I am having trouble getting the student loans ( 2 ) that I am a co-signer on deleted from my credit report. XXXX  XXXX BAL XXXX {$15000.00} and XXXX XXXX BAL : {$3300.00} On all 3 credit bureaus. 

I don't understand how these accounts can remain on my credit report when my own student loans have been discharged. There has to be a way to delete these items.
Consumer complaint received 2019-08-02
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: EQUIFAX, INC. (NC)

Credit report shows 5 Inquiries that are fraudulent, Need an extended fraud alert on my credit report with my number XXXX, am a victim of identity theft. 

the inquiries are XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, and XXXX XXXX XXXX on XX/XX/XXXX
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (MA)

JPMCB CARD opened XX/XX/2016 Account charged off. {$630.00} written off. Account closed at credit grantor 's request. 

{$630.00} XXXX XXXX XXXX refuses to remove from my credit report after multiple disputes and requests to do so. 

Collection Contact Info : JPMorgan Chase Credit Card XXXX XXXX XXXX XXXX, XXXX, DE XXXX Request to remove unlawful collection
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: EQUIFAX, INC. (FL)

Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX I have proceeded to send all ignored/disregarded disputes and complaints to the following personnel at your agency 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 Chief Executive XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PLEASE SEE ALL ATTACHED FILES
Consumer complaint received 2017-06-01
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: HCFS Healthcare Financial Services of TeamHealth (MD)

There are XXXX medical bills listed on my credit report that do not belong to me that I have no responsibility for. I have disputed this information with the credit bureaus and the collection agency to no avail. This incorrect information remains on my credit file
Consumer complaint received 2021-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One credit card has accepted my overpayments but could not do a reversal of the overage amount. Why, if a mistake? I sent them my handwritten mails something was wrong. They did nothing for 2 months now. I am still waiting for a correction and then they overbilled their segments sections, their calculators are torn up in billing or something. I understand they do no reversal paymrnts back to my debit card but did not credit my payment accurate from the minimum amount owed. What will happen more or did they steal from me in the months XXXX, XXXX, and XXXX currently if no special transactions or corrections of payments around each of its due date, which months segments were wrong. You have my permissions and consents to view all my billing statements with Capital one credit card, I shall await your remedying. I want $ XXXX- $ XXXXcash monetary settlement, to myself, owner of the credit card account for no right explanation given to the consumer to remedy. I want no retaliations. I should have been given a breach notice to me, once again someines wronged me by doing nothing. Look under items with Restrictive Words, Conditions, or Instructions to find their policy answers they did not apply they rejected my payments, proofs in their own words. Their address : Capital One XXXX XXXX XXXXXXXX XXXX, NC XXXX. I want your full legal services and settlements for myself, XXXX XXXX. I received nothing from no one as a settlement check, yet.
Consumer complaint received 2023-06-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

I am writing to file another complaint against Midland Credit Management for their violations of consumer protection laws and misrepresentation of information on my credit report. I request your assistance in addressing these issues and taking appropriate action against the companies. 

Midland Credit Management : Midland Credit Management has failed to supply proof under the doctrine of estoppel by silence, as established in the case of XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. Based on this legal principle, I presume that no proof of the alleged debt exists, and therefore, the debt itself does not exist. I requested that Midland Credit Management provide me with the completed original contracts, including all endorsements and assignments, pertaining to the accounts they have reported on my credit report. In the absence of such evidence, I urge you to promptly remove all inaccurate or unverifiable information related to these accounts from my credit report. Furthermore, I request that Midland Credit Management ceases reporting this disputed information to any third parties immediately. 

Midland Credit Management has violated 15 U.S. Code 1692e - False or misleading representations. Specifically, they have committed five acts of reporting inaccurate information to the credit bureaus regarding alleged charged-off accounts, falsely representing them as open balances from the original creditor. It is important to note that charge-off debts must be reported to the IRS on XXXX XXXX Failure to comply with this requirement results in noncompliance with applicable tax laws, rendering such debts ineligible for assignment to a debt collector. Therefore, I request that Midland Credit Management provide me with the completed original contracts, including all endorsements and assignments, pertaining to the accounts they have reported on my credit report, as well as the contract I have with Midland Credit Management. If they are unable to provide this documentation, I insist that all inaccurate or unverifiable information related to these accounts be promptly removed from my credit report. Additionally, I demand that Midland Credit Management cease the reporting of this disputed information to any third parties without delay. 

I want to bring to your attention that this is the third time I am filing a complaint against Midland Credit Management, as they have shown a pattern of violating consumer protection laws by purchasing accounts that have been charged off and cancelled by Form XXXX. 

I kindly request your immediate attention to this matter and a thorough investigation of the reported violations by Midland Credit Management. I expect that appropriate actions will be taken to rectify these issues, hold the company accountable, and ensure compliance with consumer protection laws. 

I appreciate your prompt assistance in resolving this matter. 

Thank you for your attention to this complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (VA)

I previously reported Equifax for not providing access to my report. I am still unable to access my report and recently discovered they are reporting information that should not be on my credit report concerning Public Record information. There are two filings being reported as judgments against me by my landlord from 2013. This is not true and I was never served and the claims were dismissed. I don't understand how this can legally be reported on my credit file and I was never even served by the court. I had no knowledge of these derogatory items from 2013, until recently when I attempted to rent and was denied multiple times. If you do not know how to properly report public record information, you should stop immediately.
Consumer complaint received 2021-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Thursday XX/XX/XXXX my credit union emailed me an alert on my credit, which I immediately checked into. From my credit union website, I was linked into XXXX where I saw the alert for a delinquent account ( and I've learned the only agency reporting to XXXX or to my credit union is TransUnion XXXX. The creditor name is XXXX XXXX XXXX in XXXX XXXX XXXX, UT, which I'd never heard of before this point. The delinquent amount is {$270.00}, and the payment status is collection/chargeoff. Since XX/XX/XXXX, I have spent countless hours and days trying to get some person or agency to direct me to the right course of action. First I was told to file reports and complaints with police and credit bureau 's, then was told there's no issue and nothing to be found. But the alert still shows on my credit, and at this point XXXX XXXX XXXX says it's TransUnions problem, while TransUnion will not allow me to file a dispute a with them- which was the decision of a defensive supervisor named XXXX  who I spoke with late in the day on Thursday XX/XX/XXXX. That's the shortest version of how every entity has deflected responsibility. The delinquent account does not show in my XXXX  or TransUnion reports, nor does it seem to have affected my score, but it is still in my alert through my own credit union.
Consumer complaint received 2022-03-22
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 — Was not notified of investigation status or results
Company: LEXISNEXIS (AZ)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX  XXXX Bankruptcy XXXX Please remove this bankruptcy from my Public record Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX  XXXX Bankruptcy XXXX Please remove this bankruptcy from my Public record Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX  XXXX Bankruptcy XXXX Please remove this bankruptcy from my Public record
Consumer complaint received 2015-07-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (IL)

this is my second request to you asking for your help. 
XXXX hired a collections agency who suddenly put XXXX on my credit report stating that i owe at and t this money for a landline they state i owe them for!! i have not owned a landline in at least 5 or 7 years. no one sent me any bill for this, not XXXX or this collections bureau they hired. i have written XXXX by email to the girl in the dept of the collection agency regarding this XXXX is one of the biggest scam, dishonest monopolies in this state. everyone i know has complaints on them of how they try to steal their money. i quit XXXX over a year ago now. they overcharge you each month. you have to sit on the phone for hours as they toss you around from dept to dept and each dept blames the other dept. its outrageous. it just goes on and on like a horror movie. nothing ever gets done properly. they need a committe appointment just to oversee all the theft and lies at and t is committing by the XXXX every single day! its atrocious!! now this!! a scam of some kind to say i have a landline phone!
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I asked transunion and XXXX  to verify this account because there is inaccuracies. Also, this account does not belong to me and Transunion responded verified but did not send proper documentation showing me how they verified the account and the documents they have that verified the account. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account with a balance of {$930.00} has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right and 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 constructions
Consumer complaint received 2022-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK (IL)

My account from Discover was frozen suddenly on XX/XX/XXXX. A message was displayed that I should call XXXX. However, it is impossible to resolve this issue with Discover. The phone call always (! ) drops after 3 hours and 2 minutes. In total, I have been trying to reach anyone for more than 14 hours -- unsuccessfully! Therefore, it is impossible to unfreeze the account and get access to my funds again. This Discover behavior and the impossibility to reach anyone on this phone number is widely reported on social media XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (GA)

XX/XX/XXXX I ran a copy of my credit report and realized that Synchrony Bank was reporting three separate inquires that I did not authorize! XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I attempted to send an inquiry to Synchrony asking who authorized the inquires however my letter was sent back as undeliverable. Not only are they reporting unauthorized inquiries on my report, they are also reporting an inaccurate dispute address. 

I did not authorize these inquires and I am NOT benefiting from them.
Consumer complaint received 2022-03-22
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: TRUIST FINANCIAL CORPORATION (VA)

On XX/XX/XXXX and XX/XX/XXXX there were 12 charges to my Debit card from XXXX. Charges range from {$.00} - {$69.00} 6 of the charges dropped off and never actually came through as charges. 

On XX/XX/XXXX I tried to used my debit card and the restaurant received a notice that the card could not be used, I immediately call SunTrust to notify them of the FRAUD issue on my account. 
I was not in New York on XX/XX/XXXX and XXXX and did not use XXXX. 
The last time I used XXXX was on XX/XX/XXXX for the amount of {$42.00}. 

I never got an answer why 6 charges were dropped off and didn't actually come through as charges but 6 charges are still on my account.

The total amount for the 6 charges is {$240.00} XX/XX/XXXX {$6.00} XX/XX/XXXX {$44.00} XX/XX/XXXX {$62.00} XX/XX/XXXX {$15.00} XX/XX/XXXX {$69.00} XX/XX/XXXX {$44.00} Suntrust ( NOW TRUIST ) has given me no reason why they are denying this as FRAUD. When it clearly is FRAUD.

I was not in New York on XX/XX/XXXX and XX/XX/XXXX. I was in XXXX, VA and if you access my phone location you can see that I was in XXXX, VA. 

And I was also at a restaurant in XXXX, VA on XX/XX/XXXX trying to use my card when I found out my card had been shut down by the bank.
Consumer complaint received 2021-06-14
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. (TN)

I submitted a Consumer Protection Bureau dispute on XX/XX/XXXX under XXXX for XXXX  and XXXX for Transunion. On n=both disputes the findings were that both bureaus were going to update and delete the incorrect addresses off of my credit report. As of XX/XX/XXXX this still has not been completed. I need the following addresses deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX, TN XXXX Transunion - XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2023-06-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NC)

LVNV FUNDING LLC reported that I owe a debt with XXXX  XXXX XXXX XXXX XXXX XXXX  for the amount of {$560.00} on XX/XX/2022. I never received a notice of my right to dispute. Neither company has ever verified the debt. I have never had a contract with LVNV FUNDING LLC.
Consumer complaint received 2022-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Services Inc. (WY)

The debt was sent to collections in XXXX of 2018. I never was notified by any financial institution or medical office or anybody of them sending that debt to collections. I was then harassed by CBS Debt of XXXX Ne repeatedly. I have multiple times now disputed this debt with no avail. I have requested documentation that proves the debt is mine but neither XXXX or CBS Debt has furnished any proof. I have researched the collection company and it seems that them collecting false debts is a regular thing. I attempted to contact them thru their website but I cant even access their site as it is flagged for being unsafe and filled with phishing malware. I have also researched the original account thats listed as XXXX XXXX XXXX and I can not find any information on them either. The only things that come up are in Tennessee and Texas and I havent ever lived in either of those states.
Consumer complaint received 2019-08-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (MA)

A few years back I was involved in a motorcycle accident where a driver in a vehicle hit me head on. Thus, I was in a difficult situation where I could not pay my bills. Now that I am back to work full time, I desire to avoid filing for bankruptcy. Therefore, I am sending requests to my creditors, debt buyers and collection agencies the following criteria : 1 ) Your financial institution, collection agency or debt buyer will not make calls to me either on my personal cell lines or at my employment.

2 ) That all correspondence take place in written form only.

3 ) That your office will accept a settlement offer of 25 % of the charge off balance as payment in full, and upon such acceptance I will agree to make said payoffs within a very short and reasonable time period.

4 ) Your office will mail all correspondence to my home address or my email at XXXX. 
Thank you for your consideration in this matter. 

XXXX XXXX