davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resource Management Group (SC)

On XX/XX/XXXX, I received a call from " Resource Management Group '' with phone number XXXX. I missed the call, so I returned it and a man answered the phone. Advised that they were calling about a credit card debt which was about {$1300.00} from XX/XX/XXXX and it was closed in XX/XX/XXXX. I advised I wasn't aware of the debt and that I'd filed bankruptcy during that time anyway. The person then hung up. I called back, to speak to someone and it sounded like the same man who I spoke to previously stated that he didn't know who I spoke to, verified my information and then advised that they were calling about the debt from XX/XX/XXXX and it was closed in XX/XX/XXXX. He said his name was XXXX XXXX, I advised him that I was not aware of the debt and that I filed bankruptcy during that time. 

He proceeded to argue with me that my bankruptcy was filed in XX/XX/XXXX and didn't apply. I told him I never received a letter or anything before now regarding this debt and I asked for the address where I can send a letter or to receive verification. He refused to give it to me and hung up on me. I called back a 3rd time to speak to the same man and he advised his name was XXXX XXXX or something similar. I then asked him for the address again and advised him this was a scam because he's given me 3 different names so far. He continued to argue with me and yelled out an address which i was not able to catch. I asked him to repeat it and he refused. I then hung up on the representative.
Consumer complaint received 2022-05-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Glasser and Glasser, PLC (VA)

I contacted the law offices of Glasser and Glasser in Virginia at XXXX to resolve the unpaid balance of my XXXX XXXX account. A male XXXX, XXXX XXXX failed to make a disclaimer stating the call was being recorded and any information obtained would be used to collect a debt. I advised him that multiple attempts to discuss my account had resulted in hang up calls. He located the account by first and last name after I declined to provide my SSN. He then verified the name, address and last 4 digits of the SSN on my account, apologized that other reps hung up and proceeded to hang up as well. The total length of the call was 7 minutes and the call was " disconnected '' with no follow up call even though I asked that he confirm the phone number in case we got disconnected. This happened repeatedly and resulted in nonpayment.
Consumer complaint received 2019-10-24
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. (HI)

Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-05-16
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. (MO)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$12000.00} DPT EDXXXX XXXX Balance : {$10000.00} DPT EDXXXX XXXXXXXX Balance : {$470.00} DPT EDXXXX XXXX Balance : {$4200.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$1800.00} XXXXXXXX XXXX XXXXXXXX Balance : {$880.00}
Consumer complaint received 2022-06-28
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. (TN)

I called Equifax yesterday concerning multiple disputes that were mailed in, phone calls to the company, and CFPB complaints concerning unauthorized hard inquiries on my Equifax report. I was told that they never received my complaint with my identity theft affidavit attached. ( How is that when they've responded to it? Complaint # XXXX for reference ) I've also mailed this dispute with the affidavit to Equifax. ( Twice ) I am still getting the same response. This issue has been going on for more than 60 days. The company responded on XX/XX/XXXX stating that they've completed an investigation, including contacting the furnisher of the information. This complaint also has the affidavit attached. I've been asked to send in this affidavit again in order to have these inquiries removed. 
-XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I XX/XX/XXXX -XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX  XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have a late payment for XXXX of 2020 reporting on my account with Capital One that I would like to have removed. I have contacted Capital one directed on numerous occasions to resolve this matter with no success.
Consumer complaint received 2022-06-28
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  account number # XXXX Dates XX/XX/XXXX to XX/XX/XXXX. Has violated my rights. 
I called the customer service number to open an investigation on several occasions on their website but the item still remains on my credit report. 
15U.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't furnish an account without my written instructions
Consumer complaint received 2021-12-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diaz & Associates, Inc. (CA)

Collection notice for debt that does not exist by an entity that is known for fraudulent claims collections. This was dated XXXX for the amount {$13000.00}. The name addressed is not correct either. I also contacted the company the supposed debt was for and they had no record of any such debt.
Consumer complaint received 2021-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Army and Air Force Exchange Service (AZ)

XX/XX/2021 Encounter a Fraud and Identity theft from Military Star Card that doesnt belong to me account # XXXX total amount XXXX had so been reported XXXX Customer Service From Military Star, and again on XXXX XXXX to so collection started taken on my social security account to reimburse debt, that doesnt belong to me and not responsible. I never had received any information or letters from Army and Air Force Exchange. 
XXXX XXXX when I notified Military Star Customer XXXX Service about fraud on my credit report they question asking for full name, XXXX City, State ZIP Code, and full social security number. Temp place on hold there after ask that my Identity theft being used, will close account and that I didnt had to pay on theft amount. They been so told to present I had never had a Military Star Card Account. 
I prefer a federal investigation into this identity theft who committed a crime, and question Military Star for answers to collection on my social security, and where, what address city and state identity theft military star card was mailed.
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

Due to 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. I am also a victim of identity theft in XXXX
Consumer complaint received 2019-10-24
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. (HI)

Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (MO)

XX/XX/2017 I had experian dark web protection XXXX services and XXXX protection plan I discovered XXXX XXXX phone service let someone add 7 XXXX and a XXXX  phone to my account this went on til XX/XX/2017 XXXX   restoration services detected fraudulent activity but never proceeded. Then all kinds of bizzarre occurances I have been legally seperated well over 10 yrs. 5 years ago my stepdaughter was killed in a horrific car accident my mother died that same month I fell shattering my hip went thru severe XXXX .In the meantime I was awarded a very large settlement thru the USTreasury I didnt even know about I had been using my ex s grandmothers address for a mailing address the last 5 years.Well this past holiday season I came to town to see my son and mine and my exs grandchildren when i received an internet inheratence and notice of a large dispursement on the now annuity from USTreasury that I haddened been told about my ex and his brother and family now live in the grandmothers house shes past away I confronted him with it while i had a cab waiting he rammed me into a wooden corner cabnit breaking my XXXX.i went to the hospital reported it that town wouldnt arrest him for it unless i went in person and filed.Now Govt shutdown Im at a XXXX XXXX shelter still not accessing annuity or overseas stocks and inheratence HELP.
Consumer complaint received 2022-06-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: DISCOVER BANK (NY)

I applied for a personal loan with discover on XX/XX/XXXX. I was prequalified and was told in order to accept the loan they need todo a hard credit check. They did and I was approved ; I provided all the information I needed and was told within 24-48 hours I would receive an email to accept the loan. A couple hours later I checked the application status and it said I wasnt approved for the loan. I called and was told its a glitch in the system and give them 24-48 hours to fix it. I kept calling and was being told differently every time. I call on XX/XX/XXXX and was told its because my credit reports are frozen the problem occurred and I need to unfreeze them to proceed with the process ; I asked will it be another hard inquiry and was told no by XXXX XXXX. However I am seeing multiple hard inquiries from Discover. Its been 7 days and I am still waiting on an answer from them. This is unethical and I need discover to remove these hard inquiries and provide the proper reasoning behind the delay in processing.
Consumer complaint received 2019-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The Hamilton Law Association (NY)

XXXX XXXX XXXX keeps reporting to all three of my credit bureau 's that I never paid my medical bill and reports that I made partial payments recently. I have proof that the bill was paid in XX/XX/2016 to XXXX XXXX XXXX in my credit card statement attached and it was made once in the amount {$820.00}. XXXX XXXX XXXX agreed to give the money to XXXX XXXX XXXX the medical bill money, but illegally pocketed the money and did not pay the hospital as agreed in their recorded phone call conversation with me. They are trying to extort money additional money and followed through in there threats to consistantly report to the credit beareau agencies that I never made the payment. They recently have reported to my credit bureau 's that I never paid the {$820.00}. The XXXX XXXX XXXX sent the bill to XXXX XXXX XXXX because they sent the bill to the incorrect insurance company in their region and did not send it to my address. They also made no attempt to contact me. All of my information was properly written down the day of my injury by XXXX XXXX XXXX and given physical medical and personal information documents.
Consumer complaint received 2021-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Because of Corona 19 Pandemic, I have a hardship, I called my mortgage lender XXXX XXXX XXXX XXXX XXXX XXXX and I asked for help on XX/XX/2020. I was told that I will be in the forbearance program ( attached documents ), My credit report shows 13 months Mortgage payments late beginning XX/XX/2020. The bank has been pushing me to get my mortgage account current and I am doing my best. None of my family members or friends have late payments on credit report while they were in the forbearance plan. I am requesting that the bank correct the 13 mortgage payments late in my credit report.
Consumer complaint received 2019-07-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I sent a check to the Illinois Secretary of State for a driver 's license renewal. The department said they never received the check. The check was deposited into a random unauthorized bank account on XX/XX/XXXX for {$30.00}. I tried calling my bank, Chase, and they would not refund me my money without the Illinois Secretary of State filling out an affidavit stating they never received the check. 

I called the Illinois Secretary of State and they don't know who is able to do this affidavit for me. I have no way of recovering my {$30.00}.
Consumer complaint received 2021-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

I am a victim of identity theft. I do not know who this company is. I never done any business with this company ever. I do not not know how this company got my information. I sent this company multiple letters certified and they has not removed this fraud account from my credit reports. I demand this account to be removed immediately.
Consumer complaint received 2021-05-15
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: Harvard Collections, LLC (MO)

I am a victim of Debt Parking by XXXX XXXX XXXX XXXX XXXX, IL. I have never heard of this company and have never been contacted by this company regarding this debt that has placed onto my credit report a debt of {$1100.00} supposedly from the Illinois Department of Human Services who also has never made aware to me this supposedly debt. I have no dealings whatsoever with the State of Illinois and, have not even lived there in over 35 years. 

I am in the process of working to clean up and pay off my legitimate debts on my report when in early XXXX this month, I was notified through my XXXX account about this new debt from Harvard being parked onto my report.
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (DC)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.