davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harvard Collections, LLC (IL)

Dear Sir or Madam, A few years back I contacted FTC in reference to Harvard Collections I also contacted the XXXX, with both the XXXX and the FTC the issue was resolved. As it turns out this company continues to make false claims on an account that is almost three decades old and was settled along with other accounts in XXXX 
As was decided by Harvard Collections they deleted the erroneous information they put on my credit report that was previously settled and no longer in the time frame for collections. What this company has attempted to do is undermine the FTC and XXXX by creating and changing the original account number XXXX to XXXX knowing that XXXX was settled and deleted, these records being a decade 's old I no longer possess. 
In conclusion, I am seeking once again the help of the FTC with their high standards in halting this company in what one can compared to as illegal activity and misrepresentation by resubmitting accounts to XXXX and XXXX and " switching account numbers '' to reactivate decades old account, falsely. As a XXXX veteran. XXXX citizen and listed with XXXX I thank you for your previous efforts regarding this matter and hope now this can come to a conclusion. I hope this will prevent Harvard Collections from preying on veterans and XXXX citizens. The desire is that this will stop from reoccurring with my credit report involving XXXX and XXXX and appreciate any help you can give me with this dilemma. 

Sincerely, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX
Consumer complaint received 2022-07-18
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: JPMORGAN CHASE & CO. (FL)

In accordance with a fair credit reporting act [ XXXX XXXX  # XXXX and XXXX and XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX ] has violated my rights. U

nder 15 USC 1681 section 602 states I have the 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.
Consumer complaint received 2022-09-20
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: Duvera Billing Services, LLC (CO)

I contacted XXXX, XXXX, XXXX as well as the collection company XXXX XXXX XXXX XXXX about a debt that I do not recognize on my credit report. I asked for proof that this debt belonged to me or have it removed. Neither was taken card of from any of the parties. XXXX XXXX has yet to answer a call, return a call or write me back and it's be about 60 days. If I can not be provided proof that this is indeed my debt I'd like it removed from my credit report.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Report Act XXXX XXXX From XXXX XXXX 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 an account without my written instructions.

This company tried to collect debt under my name and my SSN, I have sent several dispute letters to this company and no action has been taken to investigate this matter.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Failure to conduct a reinvestigation ; request for damages under the FCRA
Consumer complaint received 2020-07-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (WA)

Hi Sir/Madam, I am surprised to receive a letter in my mailbox from a debt collection agency " The receivable Management Services LLC ''. This agency says that I owe them XXXX dollars which I do not recognize. They say they are acting on behalf of XXXX XXXX XXXX. I acknowledge having an insurance policy with them last year, but on my request I canceled the insurance policy because there was an unjustified price increase. I had not received any tickets or been involved in a traffic accident. I have obtained from XXXX  all guarantees to cancel my insurance policy. They said they will refund the money already paid for the month of cancellation. I have all the received emails that I will send to you to help me resolve this situation. The receivable Management Services LLC openly threatens to send negative information in my credit report for a debt I do not recognize.
Consumer complaint received 2022-12-14
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: Marlette Funding, LLC (NV)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
XXXX Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor, otherwise update this account immediately. UPDATE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
BEST EGG XXXX  Open Date XX/XX/ Balance : {$0.00}
Consumer complaint received 2023-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I urge you to expedite the update of my account as I have always made payments on time. The current situation is causing me a great deal of distress and XXXX
Consumer complaint received 2020-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched USAA # XXXX Credit Reporting ( IS A PARTIAL ACCOUNT NUMBER?? ) What is a partial account number? What is the FULL account number? WHY IS THERE A PARTIAL ACCOUNT? Partial Accounts MUST BE IN VIOLATION OF FEDERAL FAIR CREDIT ACT LAW. I DID NOT OPEN THIS PARTIAL ACCOUNT Futhermore : USAA made A COLLECTION Unauthorized Payment XX/XX/2020 in Violation of Social Security Act SECTION 207.
Consumer complaint received 2019-10-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (IN)

I have contacted Jefferson Capital Systems , LLC to try to negotiate a reasonable settlement plan, explaining that I can not afford to pay more than {$25.00} to {$50.00} per month considering a death in the family and prior to the passing of that family member, I was caring for that family member 's long and progressive illness from two years prior. I have also had other problems in the mean time, including loosing my health insurance and paying off other debts. They did not want to stop any collection actions until I plan to make a payment plan with them. They wanted me to come up with {$100.00} within 7 days and for a month there after. They don't seem to care about my situation. I will also file a complaint with the FTC.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/2017 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

DELETE ALL THE FRAUDULENT INQUIRIES LISTED BELOW. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (PA)

I do not have exact dates but multiple times I have received offers from Experian saying that they have found credit cards that I qualify for. At least twice I have applied for such cards just to be told that I do not qualify for them. Each time I do so it generates a report which likely affects me negatively. They need to stop doing this to people giving false hope and causing 'credit report inquiries ' to appear on my record. I selected this company to help me monitor my credit...... Not ruin it.
Consumer complaint received 2019-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services (CA)

on XXXX applied for finance on XXXX XXXX from MBFS.com. 
As part of approval - I had to submit an autopay form - with all my details - and a cancelled check. 
The lease was approved and I got my vehicle. 
Early XXXX I got notification that my credit score dropped with 85 points because I was 3  months in arrears with MBFS.com When I contacted them - they apologized - the NEVER loaded the autopay. I did not realize that the autopay was not collected. 
I paid immediately for all arrears - and asked that they remove the remarks from my credit score ( AS I SUBMITTED MY AUTOPAY DETAILS - AND THEY DID NOT ATTEMPT ONCE TO COLLECT IT ). 
They are impossible to work with. They can not send me any information - or instructions on how to solve this. They are not willing to help. 
I can not believe that THEIR MISTAKE is costing me. They need to solve this immediately.
Consumer complaint received 2022-11-30
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (OK)

Hi Vanilla, I called a week ago Friday, XXXX XXXX, to report a fraudulent Vanilla Gift Card. My family handed me a Vanilla Gift Card for my birthday they bought for {$100.00} plus a {$5.00} activation fee. The card was purchased at XXXX 's in XXXX, XXXX. 

I tried to use the gift card at two different XXXX stores but the card was declined both times. One of XXXX 's associates also could not get the card to allow me my purchases. 

Attached is a copy of the original XXXX receipt showing the card was activated on XXXX XXXX, 2022 at XXXX XXXX When I spoke to your customer service agent on Friday XXXX XXXX, 2022 she told me someone had used XXXX to purchase an item with my card. 
I have not used XXXX in over two years. The balance on my {$100.00} gift card shows only {$.00}. Unacceptable!!! 

I am requesting an explanation of how my money was spent, the exact date with time. I am also requesting what you intend to do about my missing {$100.00}. I have been told anyone activating a gift card has access to the purchase record and can fraudulently steal the account numbers, expiration date and security code to use the card. 

I am requesting a speedy, prompt and full refund resolution to my missing money. 
My family and I are equally disappointed about this horrible ordeal and suggest you find a permanent solution to fraudulent use of gift cards. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX
Consumer complaint received 2020-07-05
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC (CA)

I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. In XXXX That was financed through Westlake Financial Service. I wanted to refinance the car due to the high interest rate Westlake Financial Services was charging to our bank XXXX XXXX in XX/XX/XXXX. Westlake Financial Services would not send the paperwork to XXXX XXXX and the refinance feel through. Do to Westlake Financial Services lack of concern and repeated threats to take the vehicle because I wanted to refinance, and they put XXXX XXXX, XXXX and XXXX payments on hold that caused damage to my credit, I instructed Westlake Financial Services to take possession of the vehicle in XXXX of XXXX. After the vehicle was taken by the company contracted to take possession of the vehicle, We saw the vehicle driving around XXXX, CA and later found the vehicle was being used to go and take possession of other vehicles by the repossession company. I contacted Westlake Financial Services XX/XX/XXXX to inform them of the situation and was told " That is not our problem, it is your problem because the vehicle will sell for less ''. 
I contacted Westlake Financial Services XX/XX/XXXX because I have not received a itemized bill of the alleged amount of $ XXXXWestlake Financial Services informed me that they don't have to send a itemized bill and that is the owed amount. I have tried disputing the alleged debt with Westlake Financial Services and to this date have not received a response. My right to debt validation is being ignored by Westlake Financial Services.
Consumer complaint received 2020-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc. (CA)

To Whom It May Concern, I am filing this complaint for violation of the Fair Credit Reporting Act, 15 USC section 1681. On or about XXXX XX/XX/XXXX ] I obtain three consumer credit reports from the three ( 3 ) major credit bureaus XXXX, XXXX  and XXXX. At this time I notice and found an inquiry by [ Consumer Portfolio ] to obtain my consumer credit on XX/XX/XXXX. 
I have never had any business dealing with [ Consumer Portfolio ], nor have I applied for any credit or services, or employment as defined in 15 USC section 1681 ( b ), neither have I executed any contracts resulting in an account in favor of the [ Consumer Portfolio ]. 
On XXXX XX/XX/XXXX XXXX, [ Consumer Portfolio ] obtained my consumer credit with no " permissible purpose '' and appears to be a violation of 15 USC section 1681 ( b ). I am filing this compliant with the Consumer Financial Protection Bureau, XXXX XXXX XXXX and Attorney General notifying [ Consumer Portfolio ] of their violation in an attempt to mitigate future damages and obtain settlement from [ Consumer Portfolio ] prior to filing any legal action. At no time did I give the [ Consumer Portfolio ] permission to obtain my consumer credit report from any credit reporting agency. The actions of the [ Consumer Portfolio ] in obtaining my consumer credit report with no permissible purpose or my consent was a willful violation of 15 USC section 1681 ( b ), and egregious violation of my right to privacy.

[ Consumer Portfolio ] had a duty to properly as [ Consumer Portfolio ] had a right to collect, resulting in [ Consumer Portfolio ] obtaining my consumer report. Therefore I may be entitled to damages by operation of law. 
I demand Consumer Portfolio remove the inquiry from Consumer Portfolio my consumer credit report. 

certain if there was in fact any legitimate permissible purpose for obtaining my consumer credit report. [ Consumer Portfolio ] however breach said duty by failing to do so. There was no account that Sincerely XXXX XXXX
Consumer complaint received 2022-10-12
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  CT XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XX/XX/2022.
Consumer complaint received 2021-06-21
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: Credit Corp Solutions Inc. (NJ)

Credit Corp sent correspondence to my residential address violating FDCPA after being told DO NOT CONTACT me. Credit Corp flagged my complaint ( XXXX ) as a duplicate complaint to complaint ( XXXX ). Complaint ( XXXX ) provided specific violations of Metro2 such as, reporting data on my credit report as a credit grantor when Credit Corp is a debt collector, providing credit limits, terms, payment, utilizing comments within credit report, credit history/ratings, original charge-off violations. FCRA violations, NO FCRA date, falsifying FCRA dates by not aligning with payment history and failure to report alleged debt as medical. PLEASE DO NOT delete this complaint and review the supporting documentation attached that specifically calls out all credit listing violations.
Consumer complaint received 2022-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

To whom this letter might concern. 

My Name is XXXX XXXX. And I am writing this to inform CFPB, on The level of disrespect, I have received from Bank of America, back in XXXX I filed for unemployment and I never received any letters from unemployment sating if I would get unemployment. So again I filed another one In XXXX, The same thing no letters, no phone calls. I eventually got a job in XXXX XXXX and no longer needed unemployment. 

In XX/XX/XXXX I was preparing for XXXX, spoke to representative that works for unemployment who at that time was helping me file for XXXX, during our time on the phone.The representative informed me that they have been paying me unemployment since XXXX, and I should have received a card from Edd, Bank of America. I than explained to him that I have never received any card from bank of America, XXXX XX/XX/XXXX, I received a card from bank of America. XXXX informed me to call them, so I can request a card, XXXX were sending my payments on that prepaid bank of America card. when I signed up for mobile banking, I notice all these deposits from XXXX all unemployment. I also noticed that the money was being sent to a different bank account, I called bank of America and informed them that It was fraud that happened on my account that I have never seen or done. The area that these transaction were happening was in XXXX XXXX, I have never been to XXXX. and some city 's in California, I live in XXXX XXXX California  I reported the fraud and the amount that was stolen from my account was XXXX that unemployment sent me. Bank of America did not bother to investigate, They sent me a letter stating that they don't see no fraud on my account, XX/XX/XXXX I spoke to a bank of America representative who informed me that on XX/XX/XXXX. That a card was issued out to me. which I never received, They are withholding information on where they actually sent the card. they keep denying the claims and the last time I checked that's breach of contract and holding me liable for something I did not do. there is a policy that Edd has for situations like this and that is zero liability If fraud were to happen on my card or account. I also sent them over a police report but they are not helping me at all I need help!!!!!!!!!!!! 
Best regards XXXX XXXX