davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McCarthy, Burgess & Wolff, Inc. (FL)

I contracted for internet service with XXXX in XX/XX/XXXX. 

My 2 year commitment on the contract was completed in XX/XX/XXXX. 

I closed my account and verified that my credit card had been removed from my account on XX/XX/XXXX. As discussed with the XXXX representative, I no longer live at the service address and only had the modem to return. As well, the XXXX representative was notified that my husband and I did not own a ladder nor had the ability to scale a ladder to the roof. We moved from the location XX/XX/XXXX. The modem was verified that it was returned and received by XXXX. 

XX/XX/XXXX I received a " We couldn't process your payment '' email notice in the amount of {$160.00}. The notice stated that XXXX was unable to process my monthly XXXX internet service. As I had removed my card from the account and closed it out, I knew the communication was incorrect as I didnt owe a monthly payment. I received no communication between XX/XX/XXXX and XX/XX/XXXX from XXXX. 

XX/XX/XXXX My account was turned over to a Debt Collection firm. ( Confirmed with Debt Collection agency representative on XX/XX/XXXX. ) XX/XX/XXXX I received a second communication from XXXX stating that they had not received my equipment and payment of up to {$300.00} was due on XX/XX/XXXX. There was no specified amount and there was no linkage of the unreturned equipment fee to the first communication for monthly payment. 

XX/XX/XXXX The debt collection payment company mailed a notification on XX/XX/XXXX for the amount of {$160.00}. 

XX/XX/XXXX I received the debt collection notification sent on XX/XX/XXXX for the amount of {$160.00} from the US Postal Service. 

XX/XX/XXXX I called the number that was on the XXXX unreturned equipment notice XXXX to inquire as to the payment. There was no option at this number for talking with Customer Service or a way to get to Customer service. 

XX/XX/XXXX I looked up the customer service number and through a phone call confirmed with the XXXX representative that the amount that was reported initially as a monthly payment was really the unreturned equipment fee. 

XX/XX/XXXX The XXXX representative filed a complaint on how the communication and timeline was handled. 

XX/XX/XXXX I paid the {$160.00} with the debt collection agency. I requested a letter of confirmation and will receive a letter within 14 business days.
Consumer complaint received 2022-12-05
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: CCS Financial Services, Inc. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2023-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Maury Cobb, Attorney at Law, LLC (KY)

On XX/XX/XXXX at XXXX XXXX., I received a text from my credit card company - XXXX 's XXXX XXXX XXXX XXXX XXXX - that a fraudulent charge was made to XXXX in the amount of {$860.00} at XXXX XXXX XXXX under my former married name ( my last name changed legally in XXXX, XXXX upon my 2nd marriage ). The fraudulent charge used my address but former name. I authorized XXXX to shut down the account and received a text reply, " Thank you for confirming fraud. We've placed a security hold on your card. Please log in to your account at the website listed on the back of your card, choose Contact Us then Digital forms to access the Fraud Form ''. Which I did. Please note, I have NEVER used or purchased ANYTHING from XXXX. I received notice from XXXX on XX/XX/XXXX by XXXX confirming that the compromised XXXX account was closed due to suspicious activity and a new XXXX card account would be issued. 
On XX/XX/XXXX, I received an invoice from XXXX addressed to my former name but correct address stating that I owed a total balance due of {$980.00}. 
I ignored the statement as I figured that the timing of the invoice was in error and that XXXX had taken care of it. 
On XX/XX/XXXX, I started receiving threating invoices from XXXX regarding the " past due '' amount which had grown tp {$1000.00}. I called XXXX and explained the situation. I attempted to call XXXX again and also contacted XXXX for their assistance. I was assured that the matter was resolved. I called XXXX again on XX/XX/XXXX, spoke with a representative and thought the matter was resolved. However, I received yet another threating invoice from XXXX on XX/XX/XXXX stating that the invoice was my FINAL NOTICE. The amount had grown to {$1100.00}. 
On XX/XX/XXXX, I received a notice from XXXX XXXX , XXXX debt collectors stating they were attempting to collect a debt for XXXX in the amount of {$1100.00}. I responded in writing and mailed back to them in the " I want to dispute my debt because '' space : " I am not ( my former name ). A fraudulent charge was made on my XXXX card. I spoke with XXXX on XX/XX/XXXX. Please cease and desist from sending these notices. This is not my debt. It was made by someone who stole my XXXX card number ''. 
At that point, I assumed the matter was closed. 
However, on XX/XX/XXXX, I received a notice from Maury Cobb , Attorney at Law , LLC as a debt collector trying to collect a debt for XXXX in the amount of {$4400.00}! I responded via the form they provided that stated, " I want to dispute the debt because : This is not my debt. '' I mailed the form and letter back to the attorney and contacted CFPB in a phone call. 
I am very frustrated because I have done all that I can do on my end to stop this. I did not make the charge and yet, I am receiving these harassments. This needs to stop. 
I pay all of my bills on time and guard my Credit Score closely.
Consumer complaint received 2022-12-05
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Arcon Credit Solutions LLC (IL)

A relative received a text from Arcon Credit Solutions regarding an attempt to collect a debt on my behalf. I have not received documentation regarding the debt or a text, like the relative did. When I contacted this agency, the woman I spoke with told me that they had sent me the documentation and even after telling her I have not received any documentation from them regarding this debt, she told me they had already sent it and would not send it and that this wont just go away.
Consumer complaint received 2022-09-28
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-09-19
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: Experian Information Solutions Inc. (DC)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Easy Finance, LLC (TX)

I have nicely been telling them I am struggling financially my daughter is ill and I am not working full time. They continue to call my work after I repeatedly told them I am going to get in trouble. They will text my phone harassing me and telling me they are going to send the collector to my work to pick up the payment. I offered to give them XXXX dollars that's what I had and they said no.
Consumer complaint received 2022-09-28
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: Mercedes Benz Financial Services (OH)

On XX/XX/2022 I received a response from all three credit bureaus XXXX, XXXX and XXXX saying my information was verified. Under law it cant be verified if I never have permission to report. 

Pursuant to 18 USC 8. I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681B 2. Company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681B 4
Consumer complaint received 2022-09-28
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. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX  XXXXBalance : {$0.00} XXXXBalance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$870.00}
Consumer complaint received 2022-09-19
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: FIRST NATIONAL BANK OF OMAHA (TX)

FCRA violators must notify before item was removed and added back on which the companies fail to do which are FCRA violations must remove items See PDF file for previous deleted account added back on : see below
Consumer complaint received 2022-09-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

At the beginning of XXXX, Bank of America closed my account, but to this day there is still {$5600.00} in the closed account that has not been refunded to me, and they claim that they are still investigating. However, I need money urgently because I need XXXX recently.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southwest Recovery Services, Inc. (FL)

i have a collection account on my credit from XXXX XXXX XXXX that i have disputed several times because i never had an account with them, despite that after futher looking and investigating i found out this may of came from a service provided call XXXX XXXX XXXX who seeked out to me for a debit card reader for my business. I recall reaching out to the original point of contact XXXX and recall telling him several times i had no need for device and also never used it, he informed me several times he was taking care of this issues, since its been placed on my credit i have reached out to him many times so he can resolved this issue as he always stated he would take care of, I have left many messages and emails regarding this for over a year at this point, I NEVER USED THAT DEVICE for he knows i was in hospital for months with covid and kept relasping... this is unfair to me for I attempted resolved this matter several times, when i reach out to reporting agency they are still stating its my debt and nothing they can do and the staff not friendly at all ... .I NEED THIS TOOKEN CARE OF!!!!!
Consumer complaint received 2022-09-19
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. (DC)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-19
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

n accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations. 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : I am a victim of ID Theft. I never had a account with XXXX or YOU. 

If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 

If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 

I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 

The letter you sent was to a address I never lived at before. It was addressed to a California address.
Consumer complaint received 2022-09-28
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: Experian Information Solutions Inc. (PA)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX  XXXX XXXX Balance : {$9700.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$8800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX : {$3200.00} XXXX, XXXX & XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXXBalance  : {$20000.00} XXXX  XXXXBalance : {$0.00}
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2022-08-23
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

Experian.com has tried billing me {$4.00} & {$24.00} respectively to fix their investigation in an attempt at retaliating against consumer in regards to a XXXX data hack XXXX, XXXX XXXX Experian have modified credit reports & reported inaccurately for 6 months my credit score & BALANCES - My score was over 720 in XXXX & several lenders are not reporting on time or accurately
Consumer complaint received 2022-09-28
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

Reverse Mortgage Solutions/PHH has not been a good experience. The company has been difficult to work with from the beginning. There has been no one assigned to us as a case manager. Documents do not reach us in time, yet we are to expedite them in short time. 

When we entered this agreement we were to satisfy XXXX points : Our home is our major residence We are still alive ( XXXX and XXXX ) The property has not been sold. 

Back in XXXX we signed a repayment agreement for our XXXX tax bill. The agreement was signed and payments sent. XXXX weeks ago XXXX of the checks was returned without explanation. When we called they demanded {$6000.00} in full or the house is auctioned on XX/XX/XXXX. What happened to prior notification? We began payment to the county for our XXXX taxes ; they superseded our payment, breaching the contract in XXXX, claiming that the breach was our fault because they paid the bill. If there had been contact made to us, as to how we would handle our taxes for XXXX, there would have been no need for RMS/PHH to pay our tax bill. RMS/PHH is the mortgagor and the collection agency. How can that be?? We had less than 2 weeks notification. There must be a law against this action.
Consumer complaint received 2022-09-28
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)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXXBANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX COMP XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SERVICE XXXX XXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.