davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights. 

I am not liable for this debt and do not have a contract with them. They have not provided me with any of the documents I continuously ask for.
Consumer complaint received 2021-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (GA)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2024-02-28
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: EQUIFAX, INC. (GA)

Filed a complaint on XX/XX/XXXX in reference to an inquiry I didn't recognize. Complaint # XXXX which included the identity theft report from the FTC along with a copy of my drivers license, Social Security Card, and a bank statement.

Received a letter from Equifax saying they couldn't process it without a the said documents that were attached to the said complaint.

Got another letter from Equifax stating the inquiry was valid. No way in XXXX they even looked into what I sent them let alone actually do an investigation, What really XXXX me off is the fact they compromised my personal data in a data breech but still refuse to do their job. This is willful negligence and violates the FCRA yet they continue to get away with it. I have reattached all the attachments from complaint XXXX as well as another dispute I mailed to them. They need to be be held accountable as I am considering seeking legal remedy for said violations as outlined in the dispute attachment that was mailed out on XX/XX/XXXX.
Consumer complaint received 2015-11-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Rent Recover, LLC (IL)

Rent Recover XXXX, LLC posted a collection item on my credit report. I called to inquire about the item and a representative XXXX were extremely rude and disrespectful and insulted me several times. I told her the information she had was wrong and that I would email her an up to date contract that shows I do not owe anything. She refused to accept the notarized contract and called me unintelligent enough to understand. She also refused to allow me to speak with her supervisor before hanging up on me. I have no responsibility to this debt as the real lease agreement was broken by the property owner. I have pictures that show there was no property damage and the real lease agreement is public record filed with the XXXX XXXX XXXX XXXX XXXX under the property address XXXX XXXX XXXX XXXX XXXX IL. Rent Recover refused to acknowledge the real lease agreement and insulted me numerous time. They never sent a notice about this debt before posting it to my credit report. There communication tactics are horrible. They make false statements and never accept real documents. XXXX should be fired and Rent Recover should be closed down.
Consumer complaint received 2019-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

I have a hard inquiry on my TransUnion credit history that was supposed to be taken off on date XX/XX/2018. With this inquiry my credit his being held down/no room for me to have another inquiry. Please tale this inquiry offf that isnt supposed to be there. Thank you.
Consumer complaint received 2017-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NY)

Citi recently changed its rewards program for the XXXX XXXX XXXX. The changes include a {$250.00} air travel credit. The language on the terms and conditions implies that the credit for the year is valid throughXX/XX/XXXX of each year, which convinced me to keep the card and continue paying a high annual fee for it. 

However, after making a {$370.00} air fare purchase ( specifically due to this benefit ) on XXXX/XXXX/XXXX, the customer service department informed me that the XXXX credit expires on XXXX XXXX rather than at month end. This is intentionally confusing and designed to be mislead consumers into not being able to utilize the benefit.
Consumer complaint received 2021-02-09
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: Experian Information Solutions Inc. (MA)

Student loan accounts for a XXXXyears old? Didn't i told you i never been to college in USA?

Im really dismayed, shocked, emotionally and financially stressed because Ive disputed these accounts above and below with all the 3 major credit bureaus, cfpb and ftc compliance team, but it continues to report on my credit profile with incomplete, inaccurate, and unverifiable information and with multiple inaccuracies. There is no way that this account can truthfully be investigated due to those violations of reporting, plus Ive submitted FTC affidavit proving that I have never had any prior relationship with none of those companies. As you can see on the attachment, they have wrong Date-of-Birth, wrong Driver License ; wrong email, etc. Ive asked them directly to legally validate the debts, with all the required documents, and theyve failed to do so. ITS NOT IN COMPLIANT WITH THE CONSUMER LAWS AND ITS NOT MINE!
Consumer complaint received 2017-05-26
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Alliance Group & Associates LLC (FL)

I was called at my cell phone number (  XXXX  )  XXXX  on   X/XX/17     at  XXXX . The caller id was (  XXXX  )  XXXX  and I answered and heard silence due to the dial being placed with an autodialer. When I got connected, I informed the caller this was a cellular phone and I requested not to be called.   I received another call from  (   XXXX   )   XXXX  to my cell phone number (  XXXX  )  XXXX  on    X/XX/17    at  XXXX . I answered and heard silence again from an autodialer and was then transferred to a representative. She stated she was calling fro m Alliance Group an d  Associates regarding a collecti on matter from   XXXX   XXXX   XXXX   XXXX . She did not give any disclaimer about call recording or give the required mini-miranda disclaimer. I asked why they continue calling my cell phone after I have requested no further calls and why they called with an autodialer and I explained this violates the TCPA. She immediately asked me to commit to payment for a debt I do n't recognize and then made threats to damage my credit and garnish my wages then hung up on me!   I called back  (   XXXX  )  XXXX  and another rep answered and did give a call recording disclaimer along with a mini-miranda disclosure. I asked again why they keep calling my cell phone with an automated dialer and she claimed the number was located through skip tracing and is permissible so I asked to speak with a supervisor. I was placed on hold then the same representative came back giving me a number in South Carolina for me to dial. I asked why I ca n't speak to a supervisor at her location in Pennsylvania based on her caller id. She stated she too is in SC and refused to transfer me and hung up.   I dialed back once more and another female answered and also refused to allow me to speak to a supervisor and hung up on me.   I have searched the internet and I am unable to locate a website for  Alliance Group and Associates and I  question their collection practices. I believe they are deceptive and are not following federal regulations or treating me respectfully or fairly. I feel harassed and with this experience, they have violated the following  : 1. My request to not be called on my cell phone further 2. The TCPA has been violated by calling my cell phone multiple times with an automated dialer 3. They refuse to allow me to speak with a supervisor and hang up on me continuously 4. They did not give all required disclosures ( call recording and mini-miranda ) 5. They are using spoof caller-id numbers to misrepresent themselves as a company local to Pennsylvania - and for no reason ... I live in Florida even though my cell has a PA area code 6. They are making outragesous threats to garnish my wages which is excessive and not permissible
Consumer complaint received 2017-12-09
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: Resurgent Capital Services L.P. (FL)

My credit report shows an account that does not belong to me, original creditor was XXXX, and the reporting agency is XXXX XXXX XXXX. 
I have submited disputes to XXXX and they deleted the account after months of letters and calls. I even submited a letter from the collection agency which states they would not report on my credit report. 
Yet, the account is there again, and XXXX has removed my ability from disputing online. 
I am under the understanding that once an account is removed i should have been notified if it would be reinserted on my credit within 5 days, yet none of that happened. 
as a result of that account showing on my credit report, XXXX XXXX XXXX decided to close my credit card which was on perfect standing. affecting my credit even more
Consumer complaint received 2016-09-14
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland LLC is still trying to collect on old debt. Account number XXXX now it 's Midland Credit MGMT. They keep selling to one of their company 's. I have filed with consumers and wrote you letters leave me alone.
Consumer complaint received 2017-01-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (WA)

While attempting to re-enroll at XXXX XXXX Colleges I was told I could not register for classes unless I paid an alleged debt to the collection agency TSI. The original debt was only {$420.00}. But TSI said I had to pay {$970.00}. TSI told me that was the {$420.00} plus an {$82.00} fee and interest. But, TSI could not explain why they were entitled to the {$82.00} fee or interest. I did not owe the debt and no law or agreement I am aware of allows TSI to add fees or interest anyway. I had to unfairly borrow money to pay the full {$970.00} so I could enroll an attend school in time under protest.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind.
Consumer complaint received 2022-04-01
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. (PA)

In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-05-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL (MN)

On XX/XX/2019, I called PayPal Credit to understand how my payments are being allocated. I currently have two active promotions with PayPal Credit, a 0 % for 24 months Easy   Payments and a 0 % for 6 months with deferred interest. In XXXX I payed two payments totaling {$400.00} and in XXXX I payed {$450.00}, both months paying well over my minimum amount with the intent of all of the money over my payment to apply to my 0 % for 6 months promotion in order to pay it off before XX/XX/2019 when if becomes an interest bearing account. 

I noticed today, XX/XX/2019, that all of the month I paid in XXXX and XXXX, with the exception of the minimum amount that was allocated to the 0 % for 6 months, was allocated to the 24 month fixed term. When I called on XX/XX/2019 to correct this issue, I was told by a representative named XXXX that all payments in excess of the minimum payment will automatically go towards the Easy Payments term first, until the 6 month promotion term is within 30 days of becoming due. XXXX also said that if I wanted to make changes to how payments are allocated that I would have to call in and that the process would take up to five days to complete. I asked to speak to a supervisor because I was concerned by this process. I spoke with a manager named XXXX and she echoed the statements of XXXX and said that my XXXX and XXXX payments were being reallocated. 

It is my understanding that under the Dodd-Frank Act that all line of credit payments are to be allocated to the highest interest bearing portions of the account first. In this case, I do not need the extra month applied to the the 0 % for 24 months as that promotion is a fixed term that pays off after the 24 months. Instead, I need any extra payments applied to the shortest term which will become interest bearing in only three months from now. 

The fact that I have to call PayPal Credit to have them reallocate my payment is unacceptable. When I called on XX/XX/2019, there was an 18-23 minute wait time. Luckily they did offer a system that calls me back but for me to have to do this every time I make a payment in excess of my minimum payment is ridiculous. This process is a ploy to make customers go " the long route '' to correct issues on their accounts with hopes that they will give up out of frustration and PayPal Credit can reap the benefits when the account becomes interest bearing.
Consumer complaint received 2017-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX I called XXXX and made a verbal forebearance request on my student loan account due to financial hardship. At that time I received verbal confirmation that my request was approved for forebearance on student loan Accounts by XXXX XXXX XXXX XXXX XXXX for the period XX/XX/XXXX - XX/XX/XXXX. However, XXXX reported 38 delinquencies on my account to the 3 major credit reporting agencies : XXXX, XXXX, and Experian, for the Months of XX/XX/XXXX and XX/XX/XXXX. I 've contacted both XXXX and Credit Reporting Agencies several times verbally and in writing requestion that the erroneous entries be removed but to date they have not complied. XXXX has been resorting to the tactic of stalling by requesting documentation of general correspondence which they already have in their possession since all requests and notification are stored for access on their website.
Consumer complaint received 2024-02-28
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: EQUIFAX, INC. (GA)

After reviewing my credit report, I have noticed hard inquiries I do not recognize. I have contacted all 3 CRAs, and they refuse to dispute or investigate the inquiries. Attached is an FTC report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile. 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2022-04-01
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY (FL)

GOOD AFTERNOON, I AM INQUIRING ON THE INSTABILITY OF THE FOLLOWING CREDITORS, FAILING TO REPORT INFORMATION AS THEY SHOULD TO XXXX ( CREDIT REPORTING AGENCY ) : -XXXX -XXXX XXXX -XXXX XXXX XXXX XXXX XXXX ALL OF MY CREDIT INFORMATION WITH XXXX WAS REPORTING FINE ON MY PREVIOUS REPORTS. THIS IS CRUCIAL, AND DISABLING THE ELIGIBILITY OF BEING ABLE TO BUY A HOME/OR GO THROUGH THE MORTGAGE PROCESS OVERALL. I HAVE BEEN IN CONTACT WITH MY CREDIT MONITORING REPRESENTATIVES, ALONG WITH XXXX THEMSELVES. THEY STATE THAT EVERYTHING IS GOOD ON THEIR END. IN THIS CASE, THE ABOVE MENTIONED CREDITORS ARE NOT GOING BY WHAT THEY'RE ENTITLED TO DO. I AM REQUESTING FOR THEM TO START REPORTING MY INFORMATION AGAIN, I DO NOT WANT TO HAVE TO TAKE ANY LEGAL ACTIONS WITH THIS. I GREATLY APPRECIATE IT.
Consumer complaint received 2017-12-09
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: Experian Information Solutions Inc. (TX)

I have contacted Experian on multiple occasions regarding an inquiry from a company XXXX XXXX XXXX I do n't recognize this inquiry have never gave them permission to pull my credit report. They have failed to investigate in to this matter for me and send me validation of why this inquiry was placed on my credit report. They continue to send me their generic response.
Consumer complaint received 2021-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (PA)

I made an arrangement and paid the debt in full to the original creditor XXXX  One week later in XX/XX/2020 this debt was reported by Receivables Performance Management to all three credit bureaus. I have not entered into an agreement or contract with Receivables Performance Management. I have called multiple times to request this derogatory account be removed from my credit report. The representatives at this agency refused this request in violation of the FCRA. I did not give written or oral permission to authorize Receivables Performance management to furnish any information on my credit report. I'm exercising my right under the FCRA to dispute this account in its entirety.
Consumer complaint received 2015-04-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

This debt is originally for a XXXX bill. It appears that in 2014 the was a lawsuit filed against XXXX for " cramming '' charges. This is where customers were charged for premium services without their knowledge. I was also a victim of this and this has also been validated ( see attached documents ). I have also requested my refund for this services as I did not authorize them. 

The amount of debt that I reportedly owe to Midland/XXXX has been rendered invalid due to this FTC lawsuit against XXXX and the fact that I was a victim of these extra charges.
Consumer complaint received 2020-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Ive did prequalified applications and also did a prequalify for Capital one auto loan which always deny me and tell me my credit wasnt pulled because I have current or negative accounts with them. I can never get to the bottom line. Talked to customer service and she said she would send a request to the research department regarding this. Still no answer or response.