davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: First Federal Credit Control, Inc. (GA)

XXXX : First Federal Credit Control/and XXXX XXXX XXXX : XXXX XXXX XXXXTHIS notice is sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 XXXX b ) that your claim is disputed and validation is requested. 
Upon recent review of my credit report, FIRST FEDERAL CREDIT CONTROL- XXXX Credit Report : Account 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account 2 ) # XXXX - XXXX. XXXX XXXX, XXXX OH XXXX Collection agencies are reporting that I owe the above creditor XXXX Car Rental a debt. I am in dispute of this unfair debt collection practice and inaccurate billing dispute. How could I possibly owe XXXX of these creditors for the same exact debt? XXXX Re : XXXX Car Rental ) As per this rental, this was an insurance claim, paid in full by my Insurance with : XXXX INSURANCE- PLEASE CHECK YOUR RECORDS CAREFULLY. 
Upon return of my rental the agent on duty never advised me or called me to discuss with me THAT I HAD A BALANCE/ OR gave me an opportunity to actually DISPUTE the issue. 

I am requesting that you investigate this illegal deceptive practice and verification of this questionable debt collection agency/or agencies. I NEVER RECEIVED ANY NOTIFICATION OF THIS DEBT or a description of what I owe this money for. Apparently this is a scam ; this appears to be the same exact companies. This is an illegal Unfair practices. Debt collectors should not be allowed to engage in unfair practices when they try to collect a debt. For example, in this case, they should not identify themselves as different companies, when they are actually the same. 
Please investigate this matter. I do n't even know who these companies were until this account was turned over for collection. Could it be credit theft? I 'm not paying until I see an accurate billing statement. FUTHERMORE, " The FTC CLEARY points out, " Every collector must send CONSUMERS a written 'validation notice ' telling you how much money you owe within XXXX days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you do n't think you owe the money. '' I never received any notice. Subsequently, The FCRA also protects consumers from the misreporting of information on your credit report. If a debt collector or credit bureau reports incorrect or inaccurate account information, it is violating the FCRA. Examples of violations include failing to report that a debt was discharged in bankruptcy and reaging old debt to extend the statute of limitations. In this case, it is definitely apparent that a collection agency or Credit bureaus can most definitely mix up similar credit files and misreport information. Therefore a consumer, should have the right to dispute any information he/she may feel is not possibly reported accurately.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I've got multiple hard credit inquiries on credit report. 2 of them on XX/XX/XXXX from the same company capital one which I did not give permission to run my credit. Also got one on XX/XX/XXXX from XXXX XXXX XXXX XXXX Which I did not approve to run my credit. Also XXXX XXXX on XX/XX/XXXX. Also XXXX XXXX XXXX on on XX/XX/XXXX. XXXX XXXX  on XX/XX/XXXX and I also have multiple ones with XXXX XXXX on different dates. 


Also would like for XXXX XXXX XXXX to update my profile as paid in full and to remove negative remarks in my credit. Majority of the times I was late was less then 10 days. So why report I was more then 30 days late. These little things are hurting my credit. And my wife and I are trying really hard to build our credit to buy a house for our family.
Consumer complaint received 2021-02-08
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. (MD)

I've been disputing these accounts for months, they do not belong to me and should not bereporting to any of these bureaus ( XXXX, XXXX, or transunion ). Month after month theyhave not removed these false names, accounts, and inquiries on my credit report.
Consumer complaint received 2017-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (CA)

on XXXX, i made a purchase at conns home plus in XXXX, nm. i opened an in house credit account. i took the items back home to california at which time i tried to install the sound bar and subwoofer. i tried as per the instructions, called XXXX tech support and we tried to get the sound to work for over 3.5 hrs to no avail. i was told i had 2 options, i could either return for another system or return for a full refund because i was within the 30 day period. i called conns in XXXX and was told that i would be charge a 15 % restocking fee, i argued this because they would n't have to restock the system because it was defective. they gave me the run around for over a week at which time i filed a complaint with the XXXX texas bbb. i was then contacted by the district manager who in turn authorized the return without a restocking fee. i returned the merchandise and was given a receipt with a XXXX balance and they were suppose to close off the account! there were two other items on the original ticket so they opened another account for these other items. i had made a {$150.00} payment on the original account prior to the return and was told that a refund would be issued to the same credit card, i waited two weeks and no refund, i called and was told a paper check would be issued and mailed. again i waited for two weeks and nothing! i called again and inquired about the {$150.00} refund and i was told that it was applied to the new account. i was never notified regarding this, so i called a different dept and was told no credit was issued. i called the customer service dept and was told no refund, there was no {$150.00} payment or credit. i called my credit card co. and filed a dispute for the {$150.00} inXX/XX/XXXX after their investigation i was issued a final credit from my bank for the {$150.00} in XX/XX/XXXX. so after my bank took the {$150.00}, now conns is saying i owe them the {$150.00} and has reported me to the credit bureas as being over 30 days late. they never issued a credit to me or to the new account and now they violating my rights to contract according to the ftc
Consumer complaint received 2017-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (FL)

I opened an account ( XXXX ) with XXXX XXXX in XX/XX/XXXX I paid them for a year but never used the service because I never installed any equipment and in XX/XX/XXXX I decided to close the account and I paid them an early termination fee of {$270.00}. Later I began to received a lot of letters from them and as I have automatic draft they tried to take {$440.00} and I disputed with my bank, because I paid them what I owed them before plus the early termination fee. When I called them to ask what was happening they said that there was another account ( XXXX ) in new York with a balance of {$450.00} open with my name and my SSN then I explain that it was not my account that was impossible, they charged {$440.00} to the account that I close with them ( XXXX ) in Florida just because it was with my name and my SSN that someone used. I tried to explain and asked them to find out who opened this account because it was NOT mine and they transferred me to the identity theft department : In this department they said they can not do nothing because XXXX XXXX closed the account ( XXXX ) in new York and transferred the balance to my account ( XXXX ) that was closed ... just because there was opened with same name and social security ..., then there is not any identity theft because this is my real account, they said they CAN NOT investigate a real account then said I have to call XXXX XXXX and find out who transferred this balance and why? to my account. Then I spoke to XXXX XXXX and they said they do not use to transfer the balance of an account to another and they still finding out but any result.They sent me with a collection agency named Convergent Outsourcing and reported to my credit XXXX and XXXX and the only solution they are offering me is to report it to the police department. I would like you to investigate this kind of fraud why do they charged to an account it was paid and closed from another different account that was opened and fraudulent, the thing is if its supposed '' '' '' I have an account in New York : why do n't send the letters and charges with the correct account number opened in new york? and use the account that was pay off?? very convenient, no? because the identity theft department can not investigate it because it was charged to my real account, and a real account can not be investigate.
Consumer complaint received 2015-10-05
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

My home is being foreclosed and the bank has denied my short sale. We are asking that the foreclosed date be postponed so that we can get the home sold. Carrington Mortgage Services would rather foreclose my home and have a permanent mark on my credit than to have my home sold and a positive spin be added to my credit history. Also, I just received counseling from a HUD Counselor Member and was just told about the XXXX program. I was never given to the option to utilize the Partial Claim. My husband lost his job and has had no income in the last 3 months. For the past year and a half his employment has been below his normal income capability due to conditions XXXX. I have attached a copy of the Residental Contract for the Short Sale which was denied and also the Carrington Mortgage Statement. I would also like to add that my husband is a XXXX XXXX Veteran.
Consumer complaint received 2017-10-08
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. (NE)

****Previous small claims case is dismissed due to intentions to file federal complaint if correction is not made. All communications will be used to establish basis for federal complaint******** I have tried diligently to communicate to the CRA that there were multiple unauthorized inquiries into my credit that were a result of a rogue employee at an automotive dealership. I have provided evidence that I did not authorize the inquiries and even showed an email that the dealership admitted to the unauthorized submission to the lenders and categorized the submissions as accidental. I have filed a complaint with the FTC and asked the companies directly to withdraw their inquires.CRA has blatantly disregarded my request to have the inquiries withdrawn despite the evidence that has been provided.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have had fraudulent mortgage chargers ( to my home loan ) for several years now FROM XXXX XXXX. I have received many emails EVERY month saying that my mortgage is in arrears, and I am in foreclosure. XXXX customer service rep recommended that I go into a branch and make extra payments ( which I did ). This is in addition to ; my monthly electronic withdrawal payments from checking account ( see attached ). XX/XX/XXXX, my principal balance was {$700000.00} ( see attached ). I made several requests for an amortization of my loan and XXXX has not complied. I requested copies of my electoral withdrawals ( because I misplaced my checking account statements ) copies and XXXX never responded. My original loan amount was {$120000.00} in XXXX now after 30 years XXXX closed my account XX/XX/XXXX. I made an estimate of {$270000.00} in added mortgage payments, Now XXXX XXXX ( whom I never heard of ) says I owe I them {$130000.00} after I have already made payments estimated at {$350000.00} XXXX ( see attached ) over the 30 years. I made large payments of {$55000.00} once in XXXX and {$50000.00} XXXX TO BUY DOWN THE PRINCIPLE. I made {$35000.00}. in XXXX that was to pay down on my principle, but they applied it to my payments to the interested. I never asked that the payments should go to interest because these judgments were fraudulent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, such, XXXX XXXX XXXX XXXX XXXX  REPRESENT XXXX  and these law firms sent me hundreds of letters with fake judgments. These judgments were added to my prinsple mortgage balance amount. Now I want to open a claim for {$350000.00} to recoup some over charged payments that were a result of these fraudulent judgments. 


XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (FL)

XX/XX/XXXX - Lease company informed about Identity Theft ( Complaint Number XXXX ) - proof attached XX/XX/XXXX - Letter sent with Identity theft report sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( USPS XXXX ) - delivered XX/XX/XXXX - proof attached ) - $ XXXX violations when I never drove that vehicle, never signed lease for it XX/XX/XXXX - Letter sent with Identity theft report sent to Debt Collector - Transworld System , Inc ( USPS XXXX ) - proof attached ) With the above 2 letters I also sent the NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA document too which makes it clear that they not supposed to call / chase / harass me anymore and not supposed to add default notices to my credit report. 

They breach all the above obligations.
Consumer complaint received 2021-03-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: WESTERN UNION COMPANY, THE (NJ)

On XX/XX/XXXX, I made two separate transfer each was for the amount of {$1000.00}, of which {$49.00} was the fee per transfer. The total taken out of my business account was {$2000.00}. Western Union informed me that after using this existing account for two transfers, that they would not allow the transfer to take place, since the account was set up as a personal account, but with a business account details. ( Even when the account was set up under a business name XXXX As such they would NOT allow the distribution of funds to be sent. On the same day, I requested for the funds to be returned to my account. Unfortunately, as of today, XX/XX/XXXX Western Union ( WU ) has not returned the funds. Instead, it states that the funds were distributed. Unfortunately, every time I called the customer services provides numerous reference number, but no funds were ever returned to my account. I have also submitted emails at WU but this situation is not resolved. 
After several attempts, I have asked for my bank to dispute the transactions, but unfortunately, I am told that the 78 days since the transactions it does not guarantee the bank is able to recouped the funds. They will try but suggest I file this complaint.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, I noticed that there are several fraudulent accounts that are inaccurately reporting on my credit reports. I have reached out to the credit agencies to inform them that I was a victim of identity theft and that these accounts do not belong to me. I included in the letters attached all of the inquiries and accounts that are fraudulent.
Consumer complaint received 2024-02-20
Product: Credit reporting 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)

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 

Credit Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-09
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (MI)

This started on XXXX XXXX XXXX. I started to get calls about owing money to XXXX XXXX XXXX. I switched over to XXXX back in XXXX. I payed off my old phone with XXXX XXXX XXXX the same year. Fast forward to XXXX XXXX XXXX. I received a call from XXXX XXXX XXXX XXXX. They said I owe {$200.00} to XXXX XXXX XXXX. I did pay once and I thought it was over. I got called again with roughly the same charge of {$200.00}. I was surprised the XXXX XXXX XXXX phone company did n't contact me via email on the matter. When I tried signing into my old XXXX XXXX XXXX account I could n't. I tried to reset my password too and the email was wrong when I knew it was right. So since I 'm not with XXXX XXXX XXXX anymore the account was removed. How could I owe money to a company when I do n't have an account with them anymore? I also received other debt collector calls from similar numbers. The following is the list of numbers all pointing to this company : XXXX XXXX XXXX XXXX XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX called XXXX XXXX XXXX XXXX The company name is Diversified Consultants. I keep getting harassed by them almost daily now. Can you please help? Thank you in advance. Have a good day.
Consumer complaint received 2018-06-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

I had filed a complaint about fraudulent activity on my account with Chase bank and issued a alert after the following transactions caught my attention : XX/XX/XXXX {$33.00} XXXX XXXX XXXX online # XXXX XXXX IL dated XX/XX/XXXX XX/XX/XXXX {$170.00} XXXX XXXXXXXX XXXX XXXX.my pa dated XX/XX/XXXX these transactions alerted me to theft on my account going back nearly 1 year. Most of which i did not catch because the previous theft was kept relatively low, averaging about {$19.00} per transaction, which is roughly what i spent daily in fast food and other miscellaneous items. 

I stopped the activity and contacted my bank by phone. i also went to the bank in person. The money began to be placed back in my account and i believed they would investigate my complaint. Not a week later, they reversed the refunds and stuck me with the fraudulent charges. I called and they told me it was my fault and they could do nothing about it. I was further told that they would " investigate '' but they have not been more specific about what this will mean. All i know is that a bank which i have been with for over 10 years and with which i have never had a previous complaint has stuck me with debts which are not mine and punished me with this debt which has caused a serious financial hardship on me. I work XXXX jobs and have had neighbors buying me food and sharing food with me because of the recent fraud and the bank not protecting me from such activity, The amounts spent online which are not mine were also taken back. i need help with this matter as i have no confidence with chase to help me.
Consumer complaint received 2019-05-12
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: Experian Information Solutions Inc. (TX)

I sent dispute letter to Experian on XX/XX/2019 disputing several accounts found on my credit profile that I did not own. This dispute was received by Experian on XX/XX/2019. In return Experian sent dispute results on XX/XX/2019. Validating all of the debt. I sent a method of verification letter in occordance to FCRA 611 ( a ) ( 7 ) to Experian on XX/XX/2019. Experian received this notice on XX/XX/2019. Experian sent a letter stating that I needed to do my own method of verification. However being that this company validated debt on my credit profile that did not belong to me, they are the ones who are responsible for furnishing information on how they were able to validate said debt.
Consumer complaint received 2023-01-10
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)

I sent a letter to Experian, XXXX XXXX XXXX on XX/XX/2022, I still haven't received anything back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. 

This is a violation of my rights. 
When they did respond they said everything was verified but they did not show what resources they used to verify accounts and proof I owe debt. I also contacted all accounts listed below and requested for original contract from creditors I got no proof I even owe the proclaimed balance from them and they didn't remove debt I don't owe off report. 

Please reinvestigate accounts below and delete this incorrect information from my corresponding reports. 

Accounts that need to be investigated properly : Convergent Outsourcing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C 1681 ( b ) Permissible purposes of consumer reports.

Any of thepurposeslistedinSection 604of theFCRA, 15 U.S.C. 1681b.

Certified
Consumer complaint received 2019-05-12
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: Southern Management Systems Inc. (FL)

I, XXXX XXXX, have written this letter to dispute claims that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : southern management systems Amounts : {$2500.00} and {$1700.00} I am disputing this claim due to : incorrectly reporting derogatory info hurting my credit while unlawfully attempting to collect a debt not owed. If it is not removed immediately I will sue you for FDCPA and FCRA. Thats fair debt collection practices act and fair debt collections act. If both collections accounts are not removed I will sue you for damages in a court of law.