davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Elevate Recoveries, LLC (FL)

Elevate Recoveries contacted me as early as XX/XX/XXXX. When they called, they didn't disclose who they were and the purpose of their call. The young lady on the phone began asking me for personal information such as my name, address, the last digits of my social security number. And when I didn't give the information and asked who they were and the purpose of the call. The lady was very rude and obnoxious. Over a period of 3 months I continued to get phone calls from Elevate Recoveries. I noticed from a credit card statement that my credit dropped from XXXX to XXXX. I contacted XXXX  to find out why. XXXX mailed me out paperwork to show me what was on my credit report. I received the report and I seen that XXXX Recoveries submitted a claim of {$1800.00} for XXXX  XXXX XXXX against my credit. Damaging my credit. I contacted XXXX  XXXX XXXX XXXX Department. Come to find out, the bill from XX/XX/XXXX from XXXX  XXXX XXXX was already paid in full. The paid in full letter is dated XX/XX/XXXX. Elevate Recoveries claim they didn't know the debt was a workmans compensation claim. Which is not an excuse. Because the bill was already paid in full at the time Elevate Recoveries tried collecting for this bill. Yet Elevate Recoveries immediately placed a claim against my credit without first having the correct information.
Consumer complaint received 2021-01-29
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. (AL)

There are discrepancies on my personal credit report ( s ) that are in violation of my consumer rights. Please permanently delete and block the below accounts and inquiries from my XXXX, EQUIFAX, and XXXX  credit report ( s ). These inquiries are fraudulent and unverifiable. 

ACCOUNTS : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 

These accounts and inquiries are unverifiable, fraudulent, and are in violation of my consumer rights. I am requesting to permanently remove these accounts and inquiries.
Consumer complaint received 2021-04-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Titan Receivables, Inc. (CA)

This collection agency is furnishing an alleged debt that is on my consumer report ( XXXX ) The collection Agency TITAN RECEIVABLES, INC on which is located on XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter on XX/XX/2021 and have not recieved any proof of the from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy. I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this alleged debt off of my consumer report accordingly. 

This company has caused me so much stress and his ruining my reputation and has violated the following laws.

- 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number - 15 usc 1692e ( 2 ) The false representation of the legal status of a debt - 15 usc 1692f ( 1 ) The collection of any amount unless such amount is expressly authorized by the agreement creating the debt - 15 usc 1692g ( a ) Failure to provide the 5 things to prove the comsumer owes a debt within 5 business days.

- 15 usc 1692b ( 2 ). Requesting location information from a family member saying i owe such debt - 15 usc 1692b ( 5 ) Using a symbol to indicate to the consumer that the debt collector is in the debt collection business - 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place - 15
usc 1692c ( a ) ( 3 ) calling at the consumers work place when it is prohibited to recieve such communication.

- 15 usc 1692d ( 1 ) using the means of harm to damage my reputation - 15 usc 1692d ( 2 ) The use of profane language which is used to abuse the hearer or reader I know that the company is in violation of federal law. So if this company will not remove this debt that is clearly not mine from my consumer report i will be seeking monetary Relief of {$15000.00} for violations of the FDCPA.
Consumer complaint received 2018-12-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (NJ)

This company calls me several times per day and at unusual times in an attempt to harass me for a bill I do not owe. They are calling about a corporate credit card past due amount and I have not worked for the subject company for approximately one year.

I have explained to this company that I do not owe this bill but they robocall me every morning and evening and on weekend mornings.
Consumer complaint received 2021-01-29
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)

I am a victim of identity theft and did not make the charges. I ask that the items be blocked to correct my credit report. I've tried several times disputing with the credit bureaus but it seems like they are too busy and not responding to my requests.
Consumer complaint received 2020-12-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (OK)

XXXX reviews my credit report to find a debt for {$570.00} from Midland Credit. It is allegedly through a Company called XXXX XXXX. Not XXXX  XXXX but XXXX  XXXX. I talked to an agent there today named XXXX to see what I can do to get rid of the account because I am wanting to finance something in the near future and it appears this account is from 2018. I did not verify that I owned this debt at all as I an not liable for it but I do want it taken care of. It was not resolved with that agent and at this time I am Filing a complaint. The company has nothing with verification of my identity however they have somehow collected my address and social. Nothing with my signature signed saying I owe them or the other company. This is a fraud tactic to collect and old debt not owed. I am truly disappointed and furthermore upset after I tried to resolve it but no resolution.
Consumer complaint received 2021-01-29
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Reliant Capital Solutions, LLC (IN)

This company has continued to call me about a charge that I know for a fact I did not incur. This collection agency Reliant Capital Solutions state that I went to XXXX XXXX XXXX  University which I didn't. They are advising me to pay XXXX for a school that I did not attend. I advised I was not agreeing with charge and send me verification of a Wet Signature the company sent me a XXXX agreement. This is a computerized signature which anyone could have generated in my name. I will include the information that was sent to me but does not verify that I did so.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

THE CHAPTER XXXX CASE # XXXX SHOULD NO LONGER REFLECT ON MY CREDIT FILE. XXXX XXXX EXPERIAN HAVE BEEN NOTIFIED THAT THE PUBLIC RECORD SHOULD BE REMOVED AND DELTEED FROM FILE CREDIT FILE DUE TO THE STATUTE OF LIMITATIONS AND I HAVE HAD NO RESPONSE FROM THESE ENTITIES. 

THE CHAPTER XXXX CASE # XXXX SHOULD NO LONGER REFLECT ON MY CREDIT FILE. XXXX XXXX EXPERIAN HAVE BEEN NOTIFIED THAT THE PUBLIC RECORD SHOULD BE REMOVED AND DELTEED FROM FILE CREDIT FILE DUE TO THE STATUTE OF LIMITATIONS AND I HAVE HAD NO RESPONSE FROM THESE ENTITIES.
Consumer complaint received 2021-01-29
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: Waypoint Resource Group, LLC (WA)

There is unknown collection on my credit reports. Im requested the verification of the collection and the method of verification. WAYPOINT RESOURCE GROUP Opened XXXX XXXX, 2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.
Consumer complaint received 2017-12-15
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. (IN)

I started asking for a copy of my Promissory Note with my original signature on it since XX/XX/XXXX from XXXX. I 've gotten several responses but none satisfied my initial request ; i was given a computerize signature connecting me to these alleged loans. So after getting no proper response from XXXX, i sought out the credit bureaus from help on retrieving the proper documents. On XX/XX/XXXX the first dispute letter was sent through the credit bureaus dispute portals online, XX/XX/XXXX & XX/XX/XXXX XXXX & XXXX was sent via certified mail equifax online dispute portal, XX/XX/XXXX all was sent certified mail, and the 4th and final letter was sent XX/XX/XXXX via online dispute portals. All the credit bureaus responses were the same as the info report was accurate and could not be deleted. All certified mail was notarized by notary service.
Consumer complaint received 2021-01-29
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)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNT IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT TO FEDERAL AGENCY I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2017-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I started asking for a copy of my Promissory Note with my original signature on it since XX/XX/XXXX from XXXX. I 've gotten several responses but none satisfied my initial request ; i was given a computerize signature connecting me to these alleged loans. So after getting no proper response from XXXX, i sought out the credit bureaus from help on retrieving the proper documents. On XX/XX/XXXX the first dispute letter was sent through the credit bureaus dispute portals online, XX/XX/XXXX & XX/XX/XXXX transunion & XXXX was sent via certified mail XXXX online dispute portal, XX/XX/XXXX all was sent certified mail, and the 4th and final letter was sent XX/XX/XXXX via online dispute portals. All the credit bureaus responses were the same as the info report was accurate and could not be deleted. All certified mail was notarized by notary service.
Consumer complaint received 2020-09-17
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: Experian Information Solutions Inc. (VA)

I am looking at my credit report and I have accounts that do not beling to me. I lost my identification and someone obviously opened numerous accounts in my name. Please advise me in what I need to do. Please investigate these accounts and remove them from my credit report. These fraudulent accounts are causing me many hardships with obtaining anything that is credit related.
Consumer complaint received 2020-09-17
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. (VA)

I am looking at my credit report and I have accounts that do not beling to me. I lost my identification and someone obviously opened numerous accounts in my name. Please advise me in what I need to do. Please investigate these accounts and remove them from my credit report. These fraudulent accounts are causing me many hardships with obtaining anything that is credit related.
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

I tried to withdraw XXXX from XXXX in XXXX ATM. It gave me no money/ I even tried the machine next to it. It only gave my card back. I went to the Wells ATM in XXXX. The machine told me I was at my daily limit. I called XXXX and was told to contact Wells and file a claim. Which I did and they put the money back in my account. A month later I received a letter telling me they would be taking the money back. They have given me money and taken it back twice so far. The Asst.Manger investigation. XXXX Asst. Manager promised to do her own investigation. the time and video proved I did not receive money and their machine was over XXXX About a few days later she called and told me that she found the money when she looked at the right time and wrote me a letter to hand carry to Wells. Since then Wells has given and taken back XXXX twice. I've talk with so many people. I've had Wells customer service hang up in my face. I'm a XXXX veteran and a XXXX  on a fixed income. I can't afford to give away {$1000.00}. Please help me!!!
Consumer complaint received 2024-03-26
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (IN)

There are two collections agencies on my credit report that are identity theft. I currently have a mortgage in XXXX, XXXX and someone tried to lease a apartment  in Minnesota under my information. 

Genesis Credit Management has charges on all of the bureaus for {$60.00} and {$260.00} XXXX XXXX XXXX has a charge on the bureaus for XXXX for {$110.00} that is also identity theft.
Consumer complaint received 2019-06-07
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)

Today i received a email stating that a student loan was past due for 90 days. This is fraudulent and identity theft. I have stated before in the past over three years ago that this is not my account and that my loans that was listed with a different agency and company. I no longer have a loan number for the past account because it was paid off over four years ago. Therefore the documents presented to the credit reporting agency i have no knowledge of or a copy of. If the reporting credit agencies that this has been blocked and deleted from my account rather XXXX seems to have a pattern of reporting this fraudulent information on my report every two years as the pattern shows. I believe that its an attempt to block and hinder my credit rating and high number due to other issues from other banks. It has been 644 days since this was deleted from my account and or paid in full.
Consumer complaint received 2019-06-07
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)

Today i received a email stating that a student loan was past due for 90 days. This is fraudulent and identity theft. I have stated before in the past over three years ago that this is not my account and that my loans that was listed with a different agency and company. I no longer have a loan number for the past account because it was paid off over four years ago. Therefore the documents presented to the credit reporting agency i have no knowledge of or a copy of. If the reporting credit agencies that this has been blocked and deleted from my account rather XXXX seems to have a pattern of reporting this fraudulent information on my report every two years as the pattern shows. I believe that its an attempt to block and hinder my credit rating and high number due to other issues from other banks. It has been 644 days since this was deleted from my account and or paid in full.
Consumer complaint received 2021-11-10
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: QUALITY ACCEPTANCE LLC (CA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

I'm not swayed that XXXX Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on QUALITY ACCEPTANCE LLC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-01-29
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. (FL)

( Equifax ) Inquiry by company XXXX XXXX XXXX XXXX XXXX XXXX ) on XXXX XXXX was unauthorized, and inaccuarte. 

inquiry is being reported without any permisable cause, No credit or loan as been awarded. a violation of sec 1681 FCRA rule
Consumer complaint received 2021-01-29
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. (TX)

THE CHAPTER XXXX CASE # XXXX SHOULD NO LONGER REFLECT ON MY CREDIT FILE. TRANSUNION/ XXXX XXXX  HAVE BEEN NOTIFIED THAT THE PUBLIC RECORD SHOULD BE REMOVED AND DELTEED FROM FILE CREDIT FILE DUE TO THE STATUTE OF LIMITATIONS AND I HAVE HAD NO RESPONSE FROM THESE ENTITIES. 

THE CHAPTER XXXX CASE # XXXX SHOULD NO LONGER REFLECT ON MY CREDIT FILE. TRANSUNION/ XXXX XXXX  HAVE BEEN NOTIFIED THAT THE PUBLIC RECORD SHOULD BE REMOVED AND DELTEED FROM FILE CREDIT FILE DUE TO THE STATUTE OF LIMITATIONS AND I HAVE HAD NO RESPONSE FROM THESE ENTITIES.
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: COLUMBIA BANKING SYSTEM, INC. (FL)

My checking account at Umpqua bank was closed without any formal letter or information on XX/XX/year>, the last time I went to my online banking was XX/XX/XXXX. 
Since that date I been waiting the cashier check for the balance of the closed account. 
Im not US resident to go to a branch and request the balance, Im XXXX living in XXXX, and I dont have any plan trip for this year.