davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (MA)

Duplicate XXXX account for {$890.00}??? Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

- Opened lease with XXXX XXXX XXXX in XX/XX/XXXX - Lease was 36 mos - Completed every single pmt on-time or early for 36 mos and returned car in excellent condition in XX/XX/XXXX. Over {$16000.00} in payments- Told of lease termination fee when car was returned in XX/XX/XXXX. However, dealer was unable to accept pmt ( despite my offer to pay ). Was told to check account stmt - Acct stmts never showed amount due after car was returned and stmts stopped being generated - Never received correspondence regarding any amount due to XXXX - In XX/XX/XXXX, credit score decreased over 100 points from high 700s to mid 600s without any warning, notices, etc- Have never had a late pmt over 11 years of credit history including student loan, car leases, mortgage, multiple credit cards, etc- I looked into what caused the decline and it was due to XXXX XXXX XXXX charging off approx {$700.00}. Upon calling XXXX, was informed it was due to a unpaid lease termination fee - Again, I never received any warning from XXXX regarding the issue or potential for charge off - Charge off occurred 10 mos after lease termination - Upon becoming aware of the balance owed, I immediately paid the balance to 3rd party collector who was able to provide balance and online mechanism to pay - Credit score has still not recovered because XXXX is reporting the account as " Paid, was a charge off '' despite their lack of communication or accessibility. XXXX refuses to take responsibility for poor communication, payment accessibility, and consumer awareness - Clearly I had no issue making pmt given the pmt was made immediately once I became aware - XXXX refuses to engage on the issue, despite my efforts- Currently trying to buy a house and this issue is creating meaningful friction
Consumer complaint received 2021-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ALLIANT CREDIT UNION (IL)

I paid the {$99.00} annual fee earlier this year to Alliant Credit Union which should have been valid through XX/XX/2022. With the annual fee, the card was supposed to provide 2.5 % cash back with no restrictions. 

I received an email this week from Alliant stating that they are changing the terms of the card ( they did not provide 45 days notice ). The new terms are : there will no longer be an annual fee, the card will only produce 1.5 % cash back, to receive 2.5 % I would have to open a savings and a checking account and direct deposit monthly and have a daily balance of {$1000.00}. These restrictions were not in the original agreement. These would take effect in the XXXX billing cycle. 

Alliant used to have a similar card that offered XXXX % back with no annual fee. So these new " features '' are a severe downgrade. 

I contacted Alliant and asked if I would be refunded my annual fee since the card will no longer be giving me 2.5 % back and has many additional restrictions to get more than 1.5 %. They refused.
Consumer complaint received 2020-06-03
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. (MD)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-13
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EOS Holdings, Inc. (NY)

A person called me from XXXX XXXX XXXX XXXX last week and I informed representative to remove my number and do not contact me again. The past week I received 2 calls which I did not answer. Then today I have received a collection letter in the mail from this company. At this point, this collection agency is in violation of the FCPA. One I want this company to stop all communication and second be held liable for there actions and tactics. I do not owe this bill I have returned the product account number XXXX
Consumer complaint received 2018-02-13
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 been disputing this debt with XXXX XXXX XXXX XXXX ( XXXX ) with no resolution. I sent a certified validation letter on XX/XX/XXXX in regards to this collections being reported on my credit report. I respectfully requested a validation in which I have the right to request due to the debt you say I owe under the pursuant to 15 USC 1692g Sec 809 (  b ) of the FDCPA. I received a letter stating that this account number XXXX was sold to XXXX XXXX XXXX ( XXXX ) and the time of the sale the Seller provided an electronic file, a summary of information sent in the electronic file and a bill in the amount of {$5100.00} which does not constitute validation. I sent another certified validation letter on XX/XX/XXXX and in return they sent the same letter as the first time. 
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt I Also need to know what information was sent to the credit bureau to validate the deb. I have no contractual obligation with this company but yet they continue to report to all three credit bureaus in which is unlawful being that they failed to validate the debt. This debt constitutes defamation of character, as negative listing on my credit. I requesting they provide me with evidence that I have any legal obligation to pay or promptly delete all information from my credit file which can not be validated.
Consumer complaint received 2020-06-03
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: AmeriCollect (CO)

XX/XX/2017 my son was taken to the XXXX XXXX In XXXX XXXX, XXXX. They made me take him in an ambulance to another one which wasnt necessary ( he has a XXXX disorder and always has XXXX XXXX XXXX ) both ERs accepted his out of state XXXX XXXX ( we were visiting family in XXXX ) he has XXXX medicaid because we reside and have resided in XXXX for years. They accepted his XXXX and didnt state there was an issue. XXXX 100 percent stated they would pay the bill. They are reporting it to collections and XXXX   refuses to remove the collections which has been detrimental to my credit score for years, even though it is against federal law to bill a XXXX patient for cash. They have to submit it to XXXX to be paid. I have reached out to them on numerous occasions. And the bill is still detrimental to my score and they are not removing both bills even after verification of XXXX like they asked for.
Consumer complaint received 2022-08-17
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX ; XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4300.00} ; XXXX XXXX XXXX Balance : {$830.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$5200.00} ; XXXX XXXX  XXXX Balance : {$220.00} ; XXXX XXXX  XX/XX/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 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 2020-01-25
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the identity theft affidavit. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX B U S DEPT OF EDXXXX XXXX B U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX  XXXX B U S DEPT OF ED/XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX B U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX B U S DEPT OF EDXXXX XXXX B U S DEPT OF EDXXXX XXXX B XXXX XXXX XXXX XXXX XXXX  XXXX XXXX B N/A XXXX XXXX  XXXX XXXX XXXX XXXX XXXX B XXXX XXXX XXXX XXXX B XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX DEPT OF ED/XXXX   XXXX B DEPT OF ED/XXXX  XXXX B XXXX XXXX XXXX B DPT EDXXXX XXXX DPT EDXXXX XXXX B DPT EDXXXX XXXX B DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX B DPT EDXXXX XXXX DPT EDXXXX XXXX B XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-04-30
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2. Also states a consumer reporting agency can not furnish a account without my written permission.
Consumer complaint received 2022-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

I called chase to dispute XXXX transactions. Two transactions were fraud and one transaction was canceled on the same day just minutes after purchase because I wanted to use another company 's product. 

XX/XX/2021 - {$280.00} ( reported as fraud by me ) XX/XX/2021 - {$100.00} ( reported as fraud by me ) XX/XX/2021 - {$140.00} ( reported as canceled with the seller on XX/XX/2021 by me and I was informed I would be refunded ). 

The bank disputed the transactions and applied a temporary credit and told me I would be contacted to get further information with their investigation. On XX/XX/2021 the temporary credit they applied was reversed, I called the bank to see why my credit was reversed. The claims representative told me that it has been over 60 days since the transaction happened so they will not dispute it and I should have called within 60 days of the transaction happening. It was very much impossible for me to call in at the time because my family has been dealing with XXXX and XXXX deaths in the family for the entire year of 2021. Also just so you can understand how crazy of a year it's been, locally we are still under a state of emergency, and national we are still under a state of emergency. If they contacted me during their investigation I would have definitely been able to explain that XXXX has been impacting me and my family.
Consumer complaint received 2021-08-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frontline Asset Strategies, LLC (TX)

I was contacted by debt collector on XXXX by phone the name of frontline assets strategy about a debt they say I owe. I told him I need more information from you before we speak about this, he began to ask for personal information from me which I was not comfortable giving, he said I need personal information from u before we can discuss anything he then proceeded to tell me my address where I work and was persistent on saying he knows that is me, i believe his commments to me were Illegal or unethical communication tactics, also by telling me u clearly know about this debt and saying I can see on your credit report u have closed other accounts and etc. so this must be yours. He continued to ask to verify my self with social security number I told him I wasnt giving him that, I requested to send debt validation letter to the address they had on file he would never confirm he would do that. I told him to only contact me viva mail or email. I also sent them an email as well to send debt validation letter to address on XXXX, and XXXX to date as of XXXX I still have not received debt validation letter. They responded to my second email of request and said since I had denyed knowledge of this, which I never said, and they were sending me a fraud packet to fill out. I feel I have asked within fdcpa regulations to request a debt validation letter and I still have not received one. Oringal creditor was XXXXXXXX, XXXX XXXX and current creditor is XXXX XXXX XXXX. There current name of creditor is frontline assets strategy, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, mn XXXX. Any help in this would be greatly appreciated I have tried with them and have received nothing in the mail.
Consumer complaint received 2018-02-10
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Phoenix Financial Services LLC (OH)

I have retained an attorney about this 5 year old DEBT. This is the 4th collection agency to contact me about this debt. This debt is highly disputed and i've proven I do not owe this already 3 times. I have sent this company a cease and desist letter. If anything is reported to my credit, I will take full legal action against both the XXXX XXXX and Phoenix Financial Services. I DISPUTE THE DEBT and DO NOT OWE IT.
Consumer complaint received 2021-06-26
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. (IA)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/21, I applied for automotive loan through XXXX XXXX XXXX XXXX for {$5500.00} for used car. I clearly authorized for only 1 credit inquiry by the agency to pull my credit report, however on my TransUnion credit report, it shows 4 inquiries from unknown banks ( XXXX XXXX XXXX XXXX and XXXX XXXX ) while there should only be 1 from XXXX XXXX. All the other banks are unknown and are not providing me any loans or services, however they have ruined my credit report by putting hard inquiries without explicit authorization. I would like these companies to remove their inquiries because they never received explicit authorization from me. XXXX XXXX is misusing my authorization for 1 credit inquiry to put 5 credit inquires on my TransUnion and XXXX credit reports which is not right, I was clearly told of only 1 credit inquiry. 

Please have these companies stop misusing authorization for 1 credit inquiry to put 4 hard inquiries. This is complete misuse of authorization to steal from customers and misuse their information. 

Thank you.
Consumer complaint received 2021-06-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

It said that you can't longer use Paypal. I don't know why I can't use it anymore I can't send or receive money, I still have a balance that needs to get. My email linked to my PayPal is XXXX. Thank you in advance
Consumer complaint received 2021-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have contacted and notified all companies involved : XXXX, TransUnion, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX of the fraudulent account ( s ) reflecting on my credit report. The credit reporting agencies continue to send frivolous responses and reporting inaccurate information.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

For the past few months I have been disputing inaccuracies on my credit report. The asset amount transunion, XXXX and XXXX is reporting on the bankruptcy on my credit profile does not match any public records. No proper investigation was done into this matter because this information continues to report inaccurately. They are also reporting the wrong liability amount.