davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to formally dispute the presence of an eviction on my credit file, as reported by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c2, a consumer reporting agency is obligated to block the reporting of any information resulting from alleged identity theft upon the consumer 's identification of such information. 

On XX/XX/2023, I identified the eviction account listed on my credit file as a result of identity theft. Despite my identification of this account and the legal requirement outlined in the FCRA, the eviction remains on my credit file. As per the aforementioned statute, consumer reporting agencies are mandated to block such information not later than four business days after receipt of the consumer 's identification of identity theft-related information. 

By failing to comply with the FCRA and blocking the reporting of the eviction resulting from identity theft, your agency is in direct violation of federal law. I hereby request that you promptly investigate this matter and take the necessary steps to rectify the situation by removing the eviction from my credit file. 

Additionally, please provide written confirmation of the actions taken to resolve this dispute, as well as any documentation supporting the removal of the eviction from my credit file. 

Thank you for your attention to this matter. I expect a timely response in accordance with the provisions of the FCRA.
Consumer complaint received 2024-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TekCollect Inc. (MD)

I am disputing a debt collection alert to my XXXX credit report on XXXX XXXX as I was a victim of debt collect. I see my compromised email address on the dark web alert through the same credit reports and have since changed my information. 

The credit alert is for a derogatory account from Tek-collect inc from XX/XX/XXXX for owing {$1700.00}. I disputed this around that time because I never made any purchases for that amount, and thought that was the end of it as I awaited follow up. 

Fast forward to today, I am reviewing my credit report from the past and the derogatory account still shows. I contacted Tek Collect and spoke to XXXX, XXXX phone # XXXX. I tried to explain to her the issue at hand but she was very accusatory and implied that she has been doing this for many years and has heard many stories of people trying to get out of debt collection. Regardless, she stated that from her end, what she can tell is that under my name and address, a purchase was made XX/XX/XXXX through a company called XXXX XXXX for a " cool cube 28 ''. She states the purchase was delivered to XXXX XXXX XXXX via XXXX, but " no signature was needed '' -which I find hard to believe considering the purchase made. I've attached the information she provided. Notably, two things : 1. While my name was stated, the contact info on the forms WAS NOT ME, XXXX XXXX. 
( Phone : XXXX, Email : XXXX ) XXXX. I didn't even live at this address. 

Please see attached documents supporting this information. 

As you can see, I've been the victim of identity theft and am working to change all passwords through all sites so no one else has to go through this nightmare again.
Consumer complaint received 2021-01-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (TX)

Received a call from Credit Management stating I owed {$77.00} to XXXX. I said this was not possible, I have an account with XXXX right now in good standing. Lady on the phone said she will XXXX debt as disputed. Move forward to today and I get a notification theyve placed a collection account on my credit report for {$77.00}! I have not received any debt validation letter or proof that this is even my debt. I call Credit Management and they sent me a letter on XX/XX/20, I say GREAT, I have the post office scan all my incoming mail to me via email and can prove I did not receive a letter. Credit Management says on the phone thats not our problem. I tell them they can not report this on my credit without having sent me debt validation. They say thats not true and you should know better.
Consumer complaint received 2024-03-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (OH)

After a car accident and totaling my car and after insurance paid and I overpaid now I cant get my refund. I was told 5-10 days in the amount of {$280.00}. I knew I overpaid but car insurance wasnt paying yet and XXXX XXXX charges for each day the loan isnt paid. Now when I called about my refund I was told that they have a 3rd party, XXXX is handling their refunds and I need to call them. I tried calling the 2phone # s given. Message on the phone says the call cant be put through at this time. I tried at different times with the same response. Then I received an email from XXXX stating my refund is being handled by XXXX in the amount of {$160.00}. I tried sending an email a few times to the email addresss in the email that were returned. I called Westlake regarding my refund again. The guy on the line laughed a little and said I had to contact XXXX. I cant get a call to go through to XXXX or emails. Plus they want to give me a card and I want my money not a card and why such a big difference in my refund amount. Sounds like a scam to me
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Sunset Management, Inc (GA)

XXXX is reporting a creditor named Sunset Finance with an account number of xxx # # on my XXXX credit report. I have disputed this account several times with XXXX over an incorrect balance amount of {$360.00}, which I paid off on XX/XX/year>, and now it is XXXX. However, XXXX has repeatedly shown bias towards a certain race group by filing several misconstrued dispute statements to Sunset Finance, stating that I am disputing the ownership of this account when I'm disputing the incorrect balance showing on my credit report. I have enclosed a copy of the receipt I received from Sunset Finance on XX/XX/year>, for this account, which shows a XXXX balance. Despite mailing XXXX a copy of the receipt, they continue to report an incorrect balance of {$360.00}. I have disputed this account with XXXX XXXX times, and they have refused to change the incorrect balance reporting on my credit report to zero.
Consumer complaint received 2016-04-29
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: TRANSWORLD SYSTEMS INC (CA)

I was told that I needed to take out a private loan while attending XXXX college in XX/XX/XXXX-XXXX. The financial aid department was n't clear about the interest rate and the whole time I attended heald I was told false information, such as job placement. They did not care about the students, if I was late on a XXXX payment they would not give me access to login onto the computer until I payed, which would affect my academics if I did n't pay on time. They would even pull me out off class to let me know I need to make a payment, This was humiliating for me.
Consumer complaint received 2015-10-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (GA)

XX/XX/XXXXPURCHASE AUTHORIZED ON XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX CARD XXXXCategory Legal ServicesQuestions about this transaction? Review your options $ XXXXTotalsI received a letter from XXXX ga XX/XX/XXXX to be in court about collection of a debt that I owed. I contacted the attorney at XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Phone Number XXXX and Paid the debt over the phone XX/XX/XXXX It payment was taken out of my account XX/XX/XXXX. This is the transaction for XXXX XXXX bank showing the payment. I have received another notice from the XXXX Court XXXX XXXX XXXX that my case is scheduled for a default hearing XX/XX/XXXX. I have tried contacting this office to get this cleared up since the debt has been paid. I do n't want to miss a day of work for something that I no longer owe. The case number at the court house if XXXX Midland Funding LLC XXXX was the attorney for this Midland Funding LLC.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

HI, i have a collection compagny ( XXXX XXXX XXXX  ) that says it recovering debts from the XXXX XXXX XXXXXXXX in the amounts of XXXX {$300.00} {$180.00} {$88.00} {$120.00} {$89.00} {$89.00} {$100.00} {$100.00} XXXX  to wich i have never been contacted by them before and they have sent my files to transunion with out giving me a chance to respond to these claims
Consumer complaint received 2024-03-09
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/year> XXXX XXXX XXXXXXXX XXXX Capital one auto finance All ran a hard inquiry on my trade line with out my prior authorization, and or understanding, they had no written consent or signature of mine. I have my credit monitored and protect it, and when anyone tries to run my credit, I have to approve it to which I did not. None of these lenders have an account attached to my credit therefore, under the Pennsylvania XXXX credit reporting I would like them removed Also, Ive reached out to all three of these lenders in XX/XX/year> They suggested I filed dispute. 

Ive tried to dispute with XXXX XXXX now Im taking it a step further.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have recently discovered that my social security number has been compromised, and I am taking immediate action to resolve the issue and prevent any fraudulent accounts from being created in my name. I have placed a notice on my credit report, instructing not to open any accounts without first contacting my personal number to verify my identity. I did not authorize them to perform hard inquiries on my credit report. CAPITAL ONE AUTO FINANCE XXXX XXXXXXXX XXXX
Consumer complaint received 2024-03-10
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Prince Parker & Associates (MD)

I am unaware of this debt, I did not have have the opportunity to dispute this debt, I did not receive proper notification, if in fact you believe I received proper notification please provide receipt please provide certified mail with the receipt stating that I received it. 
look my credit report I attached, they are only reporting to 1 bureau ( XXXX ) and they are updating and violating federal law .they also don't have rights to collect debt in my state Maryland XXXX the statute of limitations in 3 years for collecting debt.they do not have rights to collect any debt, I never signed a contract with this company
Consumer complaint received 2024-03-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas) (WI)

XXXX XXXX XXXX, XXXX, Ks XXXX RE : XXXX XXXX XXXX - Stolen Identity To : Berlin Wheeler ( send via email to bwmail@berlinewheeler.com ) RE : Identity Theft Dispute from Berlin Wheeler for XXXX XXXX ** Bogus account was fraudulently setup and collections showed up on MY IDCARE credit reporting on XXXX & XXXX This email is a follow-up to phone conversations from XXXX. 
I am formally requesting written copied of the Account in question application and other business documentation per the Fair Debt Reporting Act.

Under the guidelines of the FDRA, I would also like to see everything Berlin Wheeler and XXXX XXXX has about this debt incurred in my name. 
- Example XXXX ; I was told by the XXXX recovery team that the first name entered on the XXXX account in question was spelled XXXX, that is not my first name? 
- Example XXXX ; the account was opened XXXX, what are the details?? 
o Where did they open the account, state or online o What email and phone number did they use o Did they show some sort identification ( passport, drivers license etc ). I would like to see copies o Did they give a social security number o Did they sign for the account, I would like a copy of the signature o What was the account opened for XXXX XXXX is a huge company {$270.00} seems like strange amount So someone opened an account for something XXXX falsely in my name and by XXXX it went to collections that just doesnt seem right?? Explain that XXXX to me Background : Immediately upon being notified of a pending collection, I contacted Berlin Wheeler to resolve an Identity Theft Issue : - XXXX I talked to Berlin Wheeler Collections person = XXXX XXXX, who pushed me off to contact the Creditor = XXXX XXXX o She told me to contact XXXX XXXX XXXX on their website and submit an email to ID-Verofy.cox.com, which I did immediately - XXXX via the XXXX XXXX XXXX and explained the dispute and identity theft of course they ( Cox ) never responded?? 
- XXXX I contacted the FTC and filed a complaint XXXX Second ( XXXX ) Disagreement with Collections Berlin Wheeler will not engage directly?? 
Per the Fair Debt Reporting Act I am publishing my finding with the XXXX ( XXXX ) agencies, Consumer Financial Protection Bureau, State Atty Generals Office, the FTC and XXXX. 

Received USPS on XXXX from XXXX falsely still showing this account ( which I never opened ) is still in collections until 2029?? 
Report # ( redacted ), dated XXXX Please let me know how we can resolve this matter, since you are the collections company for XXXX XXXX, that huge company is impossible to contact??? 

Thank you XXXX
Consumer complaint received 2024-03-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

I have tried to contact XXXX XXXX XXXX but there is never person that picks up the phone. This seems highly suspect and they just keep sending me bogus bills that did not occur. I have sent a request via mail for proof of such debt they claim I owe.
Consumer complaint received 2024-03-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (TX)

This is a fraudulent account and not owned by me. I have reported this with Amsher and XXXX but the rep I spoke to was a complete nasty person who did nothing but didn't help at all. This account was not opened by me. I've been using XXXX for a long time now. And why would I have a XXXX balance on a phone bill as a single person? This account is not mine and needs to be removed from my credit right away. This back and forth with them has been going on for way to long and I can no longer deal with their incompetence.
Consumer complaint received 2024-03-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Waypoint Resource Group, LLC (AZ)

This debt is more than XXXX XXXX XXXX, and this collection company used to be called XXXX debt holding starting harassing me in XX/XX/XXXX has changed their name, and re-filed the debt under their new name of waypoint resource group XX/XX/XXXX I have finally got my score up in XXXX but this has cause lots of problems and damages Financially to me please fix
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

I got a call from XXXX XXXXXXXX today about a car and i haven't tried to purchase a car. so i looked at my credit report and I see all of these open accounts that I did not do.
Consumer complaint received 2021-01-20
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. (NJ)

I sent a letter to the company dated on XX/XX/2020, regarding inaccurate information that is in my credit file for the company. The company responded with a card, then a Dispute Results Letter dated on XX/XX/2020, but did not correct all the inaccurate information in the Public Records section in my credit file. I sent a Method of Verification Letter dated on XX/XX/2020, exercising my rights under the Fair Credit Reporting Act ( F.C.R.A ) 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute.

The company responded with a card that states they have 30 days to respond but as per the Fair Credit Reporting Act, the company has fifteen ( 15 ) days to respond to the Method of Verification Request. 

The company failed to respond to the Method of Verification Letter in the time allotted under the Fair Credit Reporting Act.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (TX)

I asked the representative of Early Warning Services who gave them authorization to have my personal information in their reports? He said that XXXX XXXX XXXX gave that authorization for them to have my information. 
So, those weekly deposits is the claim that they have my private information without my permission. This is a violation of my privacy, as shown in The Privacy Act of 1974, the right to Opt Out, using 15 USC 1681 ( b ) Permissable Purposes ; unfair credit reporting, shown in 15 USC 1681 ( a ) ( 1 ), and 15 USC 6802-6805 ; Obligations and Enforcement.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

XXXX XXXX XXXX XXXX  after dealing with unauthorized use of my personal information. Which resulted in this unauthorized item on my credit report. I sent letters over 30 days ago and they failed to get back with me with sufficient validation. This account violates the fdcpa and must be deleted immediately because those are serious violations and I could be compensated for them.
Consumer complaint received 2024-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank (CA)

I completed a debt consolidation approximately 10 years ago. XXXX of the creditors did not settle. XXXX of the creditors has hired a collection agency to come after me for the unsettled debt ; but the statute of limitations is up. 
The letter they sent me says they can not sue me or send this to the reporting agencies. 
The state of CA website says not to ignore the letter and seek legal counsel.
Consumer complaint received 2024-03-08
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (CA)

I have been on state XXXX and have weekly deposits, Ive been able to set up my bank account to transfer money into but I am unable to set it up on auto transfer and they dont know how, meanwhile the company keeps and uses my money gaining interest for an average of 5 days
Consumer complaint received 2016-12-07
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (MA)

My name I XXXX I have leased two vehicles from Honda. On XX/XX/2016 the propriety tax was posted for both vehicles I paid both with the monthly lease payment XXXX did not recognize that and kept billing me for late fee and the payment I have already paid until XX/XX/2016 where I have paid four Paine to for each vehicles. I have been paying on time even I have paying the fee which are ases to me wrongly. I kept calling them and the ask me to pay and they informed me they have reported me to the credit bureau then when I check my credit score it dropped from 850 to 660. I call Honda finance on XX/XX/2016 XX/XX/2016 XX/XX/2016, XX/XX/2016, XX/XX/2016 and XX/XX/2016. They kept saying some one will call you they never did. 
Where should I go to solve this problem they ruined my credit score how could help me
Consumer complaint received 2016-11-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

In XXXX 2016 I was notified by Bank of America , N.A . that the flood insurance on my property in North Carolina had " expired or was canceled '' and XXXX threatened to purchase flood insurance on my behalf. Due a medical family emergency I was away from home and unable to attend to personal matters until recently. I contacted XXXX on XXXX XXXX and XXXX, ahead of their XXXX XXXX, 2016 deadline and offered to email the insurance documentation to them since I did not have fax access from the hospital. I was informed that this would be too late since there was a 10-day processing time - something not mentioned in the notification to me. My XXXX company subsequently faxed the information on the XXXX, but again this will not allow for the processing time, BOA suddenly demanded. This is an annual occurrence with XXXX and while they have held my mortgage for several years, BOA claims annually that the flood insurance has either been discontinued or is insufficient - which is clearly not the case. I own XXXX other properties, however, have never experienced any problems such as I do with BOA. BOA 's predatory lending and insurance practices are simply unacceptable and it is a way for XXXX to essentially enrich their business by " purchasing flood insurance on my behalf ''.