davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

Please see Complaint # XXXX, which was closed without any documentation showing that this account belong to me. The collector written a letter to the CFPB claiming certain events, but did not attach any proof that this account belong to me. I want this complaint reopen and the collection company immediately send me proof of this account with my signature on any charges for this credit card account. I am very disappointed in the CFPB in closing this complaint only on words from the collection company. You gave this company 60 days to respond and they written a letter with no documentation attached and you took their word. Thank god for a new administration maybe the CFPB will do their job like they did before this administration.
Consumer complaint received 2021-04-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Complete Credit Solutions, Inc. (CA)

This complaint is related to existing complaint # XXXX, and its a revision to complaint # XXXX. Complete credit solutions outsourced a debt collection to XXXX XXXX XXXX XXXX on their behalf, I attached the original collection letter that was dated XX/XX/XXXX. 

I have listed the 3 problems below!

1. As you can see in the letter it has complete credit solutions listed as the current creditor. Complete credit solutions has never lended me credit, they are a debt collector not a credit lender.

2. I have attached the debt verification letter that I sent back to XXXX XXXX XXXX XXXX and Complete credit solutions on XX/XX/XXXX. NO VERIFICATION WAS EVER COMPLETED OR SENT by either company which is documented in the original complaint # XXXX. THE FAIR DEBT COLLECTION PRACTICES ACT 809 ( b ) clearly states after ignoring a written request to verify the debt which they have 30 days, they can no longer continue to try and collect on that debt.

3. THE FAIR DEBT COLLECTION PRACTICES ACT 809 ( b ) also states after receiving a written dispute the collector must stop collecting on the debt until verification is received. Complete credit solutions also violated this act by reporting a negative debt on my credit reports on XX/XX/XXXX. 

I spoke with a woman this morning XX/XX/XXXX from complete credit solutions via phone call. She confirmed that they were using XXXX XXXX XXXX XXXX to collect this alleged debt for them, this means the same rules and timeline that apply to XXXX XXXX XXXX also apply to complete credit solutions. XXXX XXXX XXXX XXXX has still yet to respond to CFPB complaint XXXX regarding this matter, which they are legally obligated to. Complete credit solutions and their hired partner XXXX XXXX XXXX XXXX have broken multiple rules and are continuing to act as if they are immune to the law.
Consumer complaint received 2020-11-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WI)

I currently have a loan through " Figure MOHELA '' and I am attempting to refinance through " XXXX. '' On XX/XX/XXXX, the dispersement was sent from XXXX to MOHELA but was refunded for some reason. I have spoken to reps from each company multiple times and neither will take fault for the error. On XX/XX/XXXX, XXXX states they resent the payment to MOHELA. XXXX states that this was not an XXXX error and MOHELA also states that it is not their fault because they would only send back payment if " sent to an incorrect address for a different loan type. '' Currently as of today, XX/XX/XXXX, it seems as though MOHELA has still not received payment. I am still collecting the interest at the higher rate with MOHELA at 4.05 % compared to my new rate with XXXX at 3.96 %.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

Amex platinum advertises card holders have access to priority pass, but certain places don't accept Amex priority pass customers. For example XXXX XXXX 's are XXXX will only accept priority pass thru Master card and visa, not Amex. It's not clear on Amex or priority pass thats the case.
Consumer complaint received 2018-07-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CO)

XX/XX/18 my daughter transferred {$450.00} through XXXX for purchase of tickets. She did not receive the transfer as promised through XXXX. 

I received a notice from Wells Fargo that the transaction took place along with a phone number to call Wells Fargo if there were any questions. I called Wells immediately ( within 5 minutes after the transfer ) and they said there was nothing they could do to help with this fraud. 

On Wells Fargo 's website it says Online Security Guarantee covers XXXX transactions when initiated from Wells Fargo Online or Mobile. This is NOT BEING HONORED. 

My teenage daughter worked very hard for that money PLEASE HELP her get her money back.
Consumer complaint received 2021-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I originally started disputing inaccurate items on my credit report on XX/XX/2020 with TransUnion, XXXX, and XXXX. I included documentation showing that I was affected by the XXXX  Data Breach & a victim of identity theft. When I did not hear back in 30 days, I sent another letter on XX/XX/2020 notifying them that they had failed to uphold my rights as a consumer. To date, I still have not received any correspondence regarding these accounts from the bureaus. It has been 6 months.
Consumer complaint received 2020-07-14
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: EQUIFAX, INC. (CA)

I had my credit ran because my wife and I are in the process of buying a home however, when my credit report came back I looked through it and I saw some accounts that do not belong to me. The accounts are from these these companies ; US Department of ED, US Department of EDXXXX & XXXX XXXX. I have no idea what these accounts are for or why they're on my credit report since I did not open them and I did not give anyone permission to open them in my name. I also never gave those companies permission to run or access my credit file. I did not get anything for my own benefit as a result of these accounts being open in my name and I did not contribute to any payments that might have been made towards the account balances. I have filed this report to the best of my knowledge regarding these suspicious accounts.
Consumer complaint received 2016-09-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Credit Service, Inc. (AZ)

Rcv 'd call on XXXX/XXXX/XXXX on cell from XXXX at XXXX with no company name. Only an case #. She also stated made that they made several attempts to reach us, but we have no record of any previous calls. When we got home, there was a message on the answering machine @ XXXX from same lady stating she was employed by ARA and the same info as above, that a immediate response was necessary or a final decision will be made that evening. I requested info in writing as I have no knowledge of owing any debt whatsoever to XXXX XXXX Bank, the name of which she gave when I talked to her. She was very aggressive when I spoke to her and I ended the call. A letter was received from ARA, on XXXX/XXXX/XXXX, dated XXXX/XXXX/XXXX, demanding payment of a very, very large debt we know nothing about. I pulled my credit report from XXXX different bureaus and there is not a reference to any such debt. I also went to our local bank with this information and they said it was probably a scam. I have not now nor ever had an account with XXXX XXXX Bank, who, by the way, ceased operations in XXXX under that name, per the internet and our local bank. I have sent a letter of dispute to ARA, XXXX to their XXXX XXXX XXXX and a street address obtained by XXXX them. This letter requests proof of debt being mine by way of a copy of original loan documents with my signature. These letters were sent registered, return receipt requested, upon the advise of CFPB. who were very gracious in helping my wife.
Consumer complaint received 2023-02-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation (IN)

Dear Bridgecrest, I am writing in regards to a closed account of mine that is still showing up on my credit report. According to the Fair Credit Reporting Act, 15 U.S. Code 1681c, accounts should not remain on a credit report for longer than seven years after being closed. This account has been closed for more than seven years and I am requesting that it be removed from my credit report. 

I am also requesting that all past reporting on this account be removed from my credit report to ensure that all of the information is accurate and up to date. As per the Fair Credit Reporting Act, 15 U.S. Code 1681i, consumers have the right to dispute inaccurate information on their credit reports. As this information is past the seven year reporting limit, I am requesting that it be removed.

I am aware that you have 30 days to respond to my request and I would be grateful if you could act as soon as possible. 

I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-04-06
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: EQUIFAX, INC. (NY)

Ive downloaded my annual credit reports and find inaccuracy in your reporting. You are obligated by the law to report accurate information in my credit reports. Because you are not reporting it's accurate I am asking to remove this totally incorrect account. I attached part of all three reports so you can find your mistakes and delete an account. There are mistakes because I found a letter from the bank with explanations about this account.
Consumer complaint received 2018-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (MO)

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX Known Alias : XXXX XXXX XXXX Received notification on XX/XX/XXXX by XXXX ID monitoring that new Collection has appeared on XXXX Report. Collection shows Commonwealth Financial Systems XXXX XXXX XXXX, XXXX XXXX, PA XXXX for amount of {$1200.00}. Original Creditor was XXXX XXXX XXXX. 

Contacted on XX/XX/XXXX XXXX Ext XXXX at Commonwealth Financial Systems. CSR was  unable to locate the debt with my Name, Adress, or telephone number. Reluctantly provided my SS # to find out what this was about. XXXX asked for my date of birth to confirm Identity. Stated that Date of Birth they have on record does not match. CSR asked my legal name and if I knew a XXXX. I stated that it is my middle name. CSR stated that debt was not mine, the only match they had was a SS #, and it was for a person with a different name and birthdate. CSR stated would be removed from credit profile in 2-3 weeks. 

Contacted XXXX to make sure was properly disputed as well as to place a fraud alert on my account. Was told by XXXX that Commonwealth Financial Systems, is reporting the Debt for : XXXX XXXX XXXX, at XXXX XXXX XXXX, XXXX MO XXXX. Disputed the debt with XXXX as I have lived at my current address for XXXX years and have never had the alias XXXX XXXX XXXX. 

XXXX dispute was completed as the debt is accurate on XX/XX/XXXX. Contacted XXXX to redispute. XXXX states that Commonwealth Financial Systems has updated the debt to my current address at XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. Reopened dispute for debt with XXXX on XX/XX/XXXX and Dispute name XXXX XXXX XXXX as not a known alias and the address for XXXX XXXX XXXX that will still showing on my profile. 

On XX/XX/XXXX open the mail and have a letter addressed to XXXX XXXX XXXX Marked personal and confidential from XXXX XXXX XXXX XXXX, NC XXXX. As this is not me I have put back in Mail as return to sender. 

Am beyond exhausted and frustrated. I have never recieved care from XXXX XXXX XXXX nor do I owe any known entity. Frustrated that the collection agency is slowing changing the debt to where it has more and more of my information and am concerned that they may have updated my birth date to the debt when I contacted them for verification. Was part of XXXX breach and am concerned that Commonwealth is using information contained within to attach a debt with a person that has a similar name to mine. 

Do not know when original service was provided, but can provide further details of my schedule to prove that I was not provided the services by XXXX that Commonwealth is trying to collect. Also upon request can show Utility bills starting with when I moved into my current address to current.
Consumer complaint received 2017-09-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

I received a notification that my credit score had dropped. So when I looked at my credit report, I noticed that a negative mark was placed on there from Transworld Systems Inc with an open date of XXXX XXXX for {$600.00}. Stating that the original Creditor is XXXX XXXX XXXX XXXX. This is not my debt. I did n't go to any ER 's in 2017 period.
Consumer complaint received 2018-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

In XX/XX/2018, I First received notice from Ocwen loan servicing stating that my condo insurance expired. I immediately contacted my Home owner association and submitted proof of insurance online. A few weeks later I received another mail that they did not receive my insurance coverage and that they were going to buy insurance on my behalf. I called in and spoke to agent who said I do have insurance but my hazard insurance has expired I explained to him that my overall coverage included hazard insurance. The agent put me on hold and called the insurance company who confirmed that hazard coverage was included. The agent then told me not to worry about it and everything would be taken care of. A month later I received the same letter that my insurance has expired Then I called in again and got confirmation that its been taken care of. Then a month later I got another email saying the same thing. This time I called and asked to speak to a supervisor and recorded the conversation as it was stated in the beginning of the call that this call may be recorded for training purposes. The supervisor who seems to be from XXXX put me on hold and then the call got disconnected and never called me back. I then submitted a claim to XXXX but didnt hear back Then on XX/XX/XXXX I received another certified mail saying my hazard insurance has expired and if I dont provide proof of coverage they will purchase it Talking to the agents have been very tiring and not so helpful. Theyseem to have a really strong accent and dont understand what we say. This is still not resolved.
Consumer complaint received 2017-01-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Federal Adjustment Bureau, Inc. (OH)

I agreed to a 12 month lease at the apartment complex, XXXX ( XXXX ) in XXXX, Ohio from XX/XX/XXXX-XX/XX/XXXX. This agreement was upheld by both parties through completion with no issues. Toward the end of the 12 month lease, I provided my 45 day notice of termination ( email sent in late XX/XX/XXXX ). After I provided the notice, I inquired by email about potentially staying an extra month but I did not receive nor sign any new terms for a month to month agreement. The apartment complex, however, took my inquiry as a contract and signed me up to stay in XX/XX/XXXX without me agreeing to the new terms. I moved out on XX/XX/XXXX as per the original and ONLY agreement that I ever saw or agreed to the terms of. 
Simply put, I am now unable to get a loan because the apartment complex sent my supposed XX/XX/XXXX rent payment to a collections firm, FabCo ( Federal Adjustment Bureau , Inc ) and they, in turn, reported the non payment to my Credit report. The collections firm can not provide the XX/XX/XXXX/month to month contract ( because it does n't exists ) but they claim my email to the apartment complex is sufficient, even though there is nothing in the emails pertaining to the terms of a new agreement. I have sent several emails to other apartment complexes, XXXX private sellers about cars, etc. telling sellers and companies them that I want something, but I have never been held liable for something unless I see and agree to the terms of the agreement, until now. 
Fabco suggested that I hire an attorney or else pay it. Apparently they feel that you can hold consumers to the terms of an agreement without a signature or acknowledgment of the terms of said agreement, and an email without confirmation of the terms is sufficient. This is the only credit reporting issue that I have EVER had. I pay my bills every month and have ( had ) an exceptional credit rating. and while I 'm tempted to pay this to get it off my credit, I can not imagine allowing this poor business practice to prevail.
Consumer complaint received 2023-01-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

After taking a look at my credit report while updating my personal information. I realized that there were inaccurate information reporting on my report. I sent Transunion an disputing letter with all the inaccuracies that they was reporting. With proof of my identification and mailing address. However I got a letter stating that they wasnt sure if it was me or a 3rd party so they couldnt continue with my issues pertaining my report. I then called in to ensure them it was me and that I sent in the information that they needed. I was told that I didnt need to send in my Id and that I just need to resend in the same letters of my inaccuracies for my report. That make no sense to me what difference does it makes if I include proof of address as well as identification. I really need help
Consumer complaint received 2018-09-29
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CCS Financial Services, Inc. (CA)

On or about XX/XX/2018 XXXX XXXX XXXX of XXXX MA ( XXXX ) sent a collection notice to a client 's spouse at her address. 

I have no relationship to that address other than I process VA payments on behalf of my client, an XXXX year old suffering from XXXX and living at the VA facility in XXXX XXXX XXXX. The bills for his care go to his spouse at that address. She is his Conservator of the Person ; I am his XXXX of the Estate. 

After a call today ( XX/XX/XXXX ), it was clear that several bills reportedly to me ( sent to another wrong address ) were returned to XXXX. I asked about the address and they had both spelled my name incorrectly and had my home address city listed incorrectly. XXXX has been unable to provide an original invoice so I have no idea as to whether the bill is valid. 

They suggested contacting the medical laboratory directly to ask for an invoice. I will do so but feel it is an unnecessary step and XXXX should offer to have the bill forwarded. 

While I am not usually one to send complaints, in the past with medical bills I know the practice of sketchy collection agencies is to ding the credit reports immediately, even if paid in full. The practice of trolling for addresses is suspect and I believe violates my client 's and my privacy. 

XXXX should have their license reviewed and their practices monitored. It is quite embarrassing to me to have a bill go to an elderly spouse of an elderly client. Quite bizarre. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2018-09-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (TX)

Credit reporting agencys XXXX RE ; Eastern Account systems of Connecticut And XXXX XXXX XXXX A letter and documents provided to dispute the debt claimed owed by Eastern Account systems of Connecticut acting on behalf of XXXX XXXX XXXX was sent to Transunion on XX/XX/2018. Additionally, complaints in regards to multiple FCRA violations as well as violations of Texas deceptive trade act by the above mentioned companys have also been mailed to the following agencies ; Texas Attorney General and the Consumer Financial Protection Bureau. For your record this letter is being sent certified mail and copys of all documents will be kept should they be needed for an FCRA complaint against any participating credit reporting agencies who fail to remove this false debt immediately. 

Eastern account systems has changed the disputed debt to collection paid instead of removing the disputed medical debt ( ( that was never in fact owed in the first place ) ) This medical disputed debt was entirely the responsibility of XXXX XXXX insurance and XXXX XXXX. There was no balance owed ever by myself at any time. There should never have been any attempt to collect what so ever and this needs to be removed entirely from my credit report as it was not a paid collection, it was a disputed debt because it was never owed at all. 

I expect this item removed from my credit report immediately and an updated copy of my report sent to me or I will be seeking legal representation and filling a Lawsuit under FCRA violations against XXXX as well as Eastern Account Systems in federal court since it would be there jurisdiction. I will be seeking damages as well as attorney fees In XXXX willful negligence in there failure to comply with FCRA. 

There is absolutely no excuse and intent is implied to willfully harm me since every single document provided to XXXX  goes above and beyond to prove a debt was never owed therefore in XXXX forcing this proven inaccurate debt to stay on my report by inaccurately representing it as a paid collection instead of removing it amounts to willfully being negligent as well as intent to harm. I expect your prompt resolution.