davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-17
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: Collection Resources, Inc. (NM)

I have disputed these inaccurate accounts that are reporting to my credit report for validation and all companies involved Collection Resources, XXXX, XXXX, and XXXX  have all verified them reporting as " Accurate ''. I received a letter from Collection Resources on XX/XX/2021 showing the itemized information they are claiming as accurate and have an incorrect SS # listed under my personal information that is NOT mine! This false information can be someone else! See attached copy letter from Collection Resources and my credit report showing how they are reporting false/inaccurate information to XXXX, XXXX, and XXXX!
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-06-14
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. (SC)

I have received several unauthorised inquiries on my account since the beginning of the year I have asked for numerous times to get help to no Avail. There are also several clothes on authorised accounts which I try to get help with also to no Avail
Consumer complaint received 2022-08-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Certified Services, Inc. (IL)

My credit score was adversely affected by a report from Certified Services , Inc, XXXX XXXX XXXX, XXXX, Illinois XXXX ( XXXX ) XXXX Fax ( XXXX ) XXXX collecting for XXXX XXXX  XXXX XXXX XXXX bill from XXXX for {$260.00}. I provided bank information showing that I had paid that amount to XXXX XXXX XXXX, but they refuse to remove the complaint from my credit report. I am also fighting this complaint with XXXX and with the office of the attorney general in Illinois.
Consumer complaint received 2021-06-14
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. (MS)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (FL)

Signed up for the {XXXX} statement credit prom, after paying for a XXXX XXXX XXXX XXXX, using the discover credit card. 

Never received the XXXX} back at the end of the promo. Tried calling around XXXX, the rep told me I needed to make purchases using my credit card for 2 billing cycles, I did it. Called again today ( XX/XX/2021 ) - Supervisor said that all {XXXX} credits were issued by XXXX. If I didn't receive it, it means I didn't meet all promo requirements - She couldn't give me much more specifics.
Consumer complaint received 2023-05-12
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. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 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 XXXX XXXX
Consumer complaint received 2022-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

I applied and was given the Chase XXXX card, which promises {$200.00} cash back if you spend more than {$500.00} in the first XXXX months. I surpassed this spending amount in the first 30 days, but did not receive the {$200.00} cash back and a supervisor at Chase could not explain to me why I wouldn't, saying that that he " had no ability '' to provide what the bank promised me. 

Offer details here : https : //creditcards.chase.com/cash-back-credit-cards/freedom/unlimited
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Global Lending Services LLC (VA)

Global Lending Services LLC is reporting late payments to my credit report. My XX/XX/2023 payment was deferred. My XXXX payment was made. They have reported that both payments were late and that is incorrect.
Consumer complaint received 2021-05-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fairway Collections, LLC (WA)

Hello on XX/XX/2020 Fairway collection debt collector, filed a writ of garnishment. Before the garnishment, my balance with them was around XXXX. My bank account was put on hold because of writ. Once I found out that they couldn't garnish my unemployment my only income. I filed a appeal the bank release my money. Now fairway wants me to pay for legal fees that makes a new balance of {$4500.00}. I feel that I shouldn't have to pay this amount for the mistake they made.
Consumer complaint received 2024-12-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Neon Newco Corporation (VA)

This is a fraudulent account that I'm trying to close. In the mail, I received a card from NETSPEND with a routing number, accounting number and bank name ( XXXX XXXX ). I did not apply for this account. The account was opened by an unknown person using my personal information without my consent. This is a fraudulent account. I called Netspend several times and also emailed, but there were no options to speak with a person or to report the fraud. I am continuing to make efforts to close this account.

I have reported the fraudulent account to identitytheft.gov.
Consumer complaint received 2022-12-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CREDIT ACCEPTANCE CORPORATION (AR)

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

In accordance with the fair credit reporting act XXXX account XXXX XXXX has violated my rights.

15USC 1666b : a creditor may not treat payment on a credit card account under an open-end consumer credit plan as late fee purpose
Consumer complaint received 2022-12-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (OR)

This complaint is specifically regarding XXXX XXXX contacting me well after a cease and desist notice was received and signed for by their company which violated the request. I also never received any paperwork for XXXX or XXXX and they have never provided me with any document with my wet signature on any of it to prove the debts validity ( a side fact ). 

My complaint is that they violated a cease and desist order and I have the proof, I would love for them to speak on how they sent me a piece of mail 12 days after they received and signed for the letter and why the letter was dated for XX/XX/XXXX, a letter I already had in my possession?? Yet I received the letter in mid XX/XX/XXXX. I want only the violation of the cease and desist letter to be entertained in this complaint, no information or smoke screening with the accounts to gloss over and distract from what they blatantly did. 

My letter dated XX/XX/XXXX at XXXX Received by them and signed for XX/XX/XXXX To : Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX From : XXXX XXXX XXXX : CEASE & DESIST CONTACT After multiple attempts and requests to have this company eliminate debts which they have been told are not mine and are outside the statutory collection limits with no resolution, this is my official request in writing to have your company cease and desist all forms of contact with me to include by phone, email, in writing, by fax or any other form of communication from this moment going forward with no ending date and time up to the time of my being deceased. I have referenced the accounts below. 

XXXX XXXX XXXX LVNV Funding Capital XXXX XXXX LVNV Funding XXXX XXXX XXXX  Acct : Not given Ref : not given XXXX XXXX XXXX XXXX XXXX XXXX ( just found out about this on XX/XX/XXXX from the year XXXX ) This letter covers all debts you have. Consider this my official notice, if I continue to be contacted, I will take legal action for harassment!!! 


*** MAILED XXXX RETURN RECEIPT ON XX/XX/XXXX
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (GA)

An employee in your credit dispute department is intentionally REPORTING my account ending in XXXX to the credit bureaus daily. Im getting updates to my credit bureaus that my account is being updated from discover bank everyday with the balance. My account is only supposed to be reported ONCE PER MONTH on the XXXX when my statement close and someone is MONITORING MY ACCOUNT UPDATING IT ON A DAILY BASIS! Which is against FCRA policies and is violating my rights as a consumer. If this employee in your credit dispute department keep deliberately updating my account daily so the balance can report. I will find out who the employee is and have discover bank is SERIOUS LITIGATION! My credit card have a due date and a statement closing date. The statement closing date is on the XXXX of every month and is the ONLY DATE MY ACCOUNT IS SUPPOSE TO BE REPORTED TO THE CREDIT BUREAUS. I will be filing a lawsuit and making sure a lawsuit is filed against the employee that is WATCHING MY ACCOUNT AND REPORTING IT EVERYDAY WHICH IS LUDUCRIOUS! Discover bank have millions of customers accounts to attend to and there should be NOBODY who should be WATCHING MY ACCOUNT AND ( HITTING THE OFF CYCLE REPORT BUTTON ON THEIR COMPUTER EVERY SINGLE DAY ). I haven't requested a off cycle update and the account is being updated to antagonize me. Whomever the employee is need to not only be investigated, but FIRED ASAP for violating companies polices. I have all of the update alerts and proof of the account being updated with the credit bureaus. So I suggest discover bank MAKE SURE THAT EMPLOYEE QUIT PLAYING GAMES WITH MY ACCOUNT ASAP! If I receive one more update from discover card to the 3 credit bureaus a lawsuit will be filed ASAP!
Consumer complaint received 2023-01-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

To Whom It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 
XXXX XXXX XXXX - XXXX {$8000.00} - Account number XXXX - Date opened XX/XX/XXXX US DEPT. OF EDUCATION - Balance {$14000.00} Account number XXXX - Date opened XX/XX/XXXX The reporting of these account ( XXXX ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 
Best regards, XXXX XXXX
Consumer complaint received 2021-07-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (TX)

On XXXX XXXX, Midland Funding LLC entered a Lawsuit in XXXX County , Tx Cause Number XXXX Against the Respondent XXXX XXXX XXXX XXXX On XX/XX/XXXX XXXX I sent a Certified Return Receipt Letter with the U.S.P.S. to 2 different Addresses listed on the Original Petition asking for Full Debt Validation and all Account Level Documentation/Consent Order for Any and All accounts in my Name. On XXXX XXXX, A CONSENT ORDER File No XXXX was issued in a Administrative Proceeding.`Also Cause No XXXX XXXX XXXX. COMPLAINT FOR PERMANENT INJUNCTION AND OTHER RELIEF, And on XXXX a STIPULATED FINAL JUDGEMENT AND ORDER.See Attached Exhibits. 
Midland Funding Failed to Respond to My Written Request For all ( OALD ). ORIGINAL ACCOUNT LEVEL DOCUMENTATION/Attachment Rule, Within 30 days. 
On XXXX XXXX I also emailed Attorney XXXX XXXX Listed on the Petition.once Again Midland Funding Failed to respond According to the Rules set into Federal Law with the Consent Order.Midland Funding LLC has not Presented OALD to Date and is Suing Me with the Knowledge that I am XXXX with only Benefits of 100 % XXXX Veteran/VA and SSDI Benefits which is also Protected, My Home is Homestead.Midland Funding is in Violation of the above and Not Limited to the Above Mention Consent Order. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-24
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (AL)

I sent a letter out to the collections agency in regards to a debt on XXXX XXXX by certified mail after receiving insufficient proof in regards to a debt that isnt mine. I wrote the debt collector to let them know that they have failed to provide proof of ownership. I was only sent a billing statement with no breakdown of what this money was for or anything that proves that I am the one that owes this debt. This has caused me financial distress because I am unable to obtain credit because of this collection that doesnt belong to me. 15 usc 1692 a ( 6 ) states that under written request, I, the consumer can request validation of alleged debt.
Consumer complaint received 2023-12-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (DC)

On XX/XX/XXXX, I submitted a payment request on my XXXX portal to allocate {$490.00} towards my students loans. My loans are currently being held by EdFinancial. I did not receive any confirmation from EdFinancial that they had received this request. On XX/XX/XXXX, I received a statement with my balance and my next payment due, which is {$190.00} in XXXX of XXXX. I thought this was strange since I had already tried to start paying my loans. The next day, XX/XX/XXXX, I submitted a email complaint on EdFinancial 's website describing the issue. They did not give me a copy of this complaint or ever respond to it. On XX/XX/XXXX I spoke to an EdFinancial representative on the phone. She explained to me their were " communication issues '' between EdFinancial and XXXX. She told me she put in a " ticket '' on my payment so that it would be looked at sooner. I have not heard any follow up from the company.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (FL)

I am unsure how to go about dealing with this matter. I am awaiting a copy of my CLUE report from LexisNexis, which is being sent by mail, ordered a week ago, and could take another 1-2 weeks. 

There seems to be vast discrepancy with my credit score from the 3 credit reporting bureaus and my CLUE score from LexisNexis. I received a letter from my current home insurance carrier XXXX XXXX XXXX  regarding a CLUE report they obtained on XX/XX/2023, showing a score of XXXX  in a range of 200-997. 

My XXXX XXXX credit score is XXXX range 300-850 My XXXX XXXX score is XXXX range 300-850 I do not have my XXXX at this time , but it is in the similar top tier range of excellent credit. I do not understand why my CLUE score from LexisNexis is so low. Even worse, the letter I got from XXXX XXXX listing the primary factors affecting my insurance score, are all credit/finance related, which completely negates and opposes that of my actual credit score from credit monitoring bureaus. 

XXXX  Length of time sales finance accounts have been established XXXX  Insufficient information on department store accounts XXXX  Insufficient information on personal finance accounts XXXX # of accounts that have been established None of that has anything to do with insurance, and I fail to see how I am scored lower on financial accounts than anything to do with insurance on an insurance score. This has caused me to overpay for insurance due to a lower score, who knows for how long, likely many years, over a decade. I have no idea as to the amount this has cost me, and it has likely costed others. This matter is much larger than me, and I am unsure how to proceed. It seems ground for a class action lawsuit or something. 

Who regulates LexisNexis, like the credit monitoring bureaus are regulated? Why is a CLUE report not available online, and takes 2+ weeks to receive in physical mail? I have no idea what the dispute or resolution process there might be. 

How is LexisNexis able to have a monopoly on insurance score, who is their competition? Who else is verifying this information to ensure it is accurate, and fairly represents the consumer? 

It makes no sense that my insurance score is lower than my credit score based on financial credit based accounts. Something is very very wrong.
Consumer complaint received 2023-03-27
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. (NV)

I XXXX XXXX have reached out to EQUIFAX & XXXX XXXX XXXX XXXX numerous of times about a Payment that's stating I have Debt Owed which is Currently in Collections and Negatively affecting my Credit score. 

Therfore With No Response from EQUIFAX, I did Recieve both a Letter and Email from the ( CRA ) XXXX XXXX XXXX stating they don't have No Acknowledgement of knowing Who I am. 

In which Laws have been Violated when it comes to the Collections Practice upon the Privacy of my Credit Profile.
Consumer complaint received 2022-07-21
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. (CA)

How many letters do I need to send to the Credit Bureuas for them to pay heed to my disputes? I have been sending countless letters and complaints for more than two years now and yet the Credit Bureaus can not complete my requests for proper verification of my Credit File and Remove any fraudulent information being reported. But despite all my efforts to establish communication with the Credit Bureaus, is is clear that the Credit Bureaus fine joy in ignoring a client 's requests. I have read that the Credit Bureaus is required to remove any accounts and information that the Consumer considers as items incurred due to identity theft. I am now submitting this complaint to inform the Credit Bureaus of how frustrated I am and I am willing to take a legal action and sue the Credit Bureaus for their willful non-compliance of the Fair Credt Reporting Act section 605b. If it not that too much trouble, I need the following items removed immediately : XXXXXXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$190.00}