davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC (GA)

I do not owe anything to this collection company XXXX GC Services XXXX ). I do not owe {$65.00} to XXXX  XXXX XXXX. I have dispused this illegal debt several times to GC Services XXXX Partnership and once I dispute this debt again, the debt collector must stop all debt collection activities until they provide me with proof that I owe the debt, which I do not since it is fraudulent. GC Services must provide me with that proof and never bother me again. Under the FDCPA, I have the right to dispute the debt and it has XXXX separate components : XXXX to notice of the debt XXXX Right to contest the debt XXXX to verify the debt Within XXXX  DAYS of first contacting the Consumer Financial Protection Bureau. GC Services must send a letter telling me : the amount of the debt the name of the creditor information about what I can do if I think there has been a mistake and proof, I actually owe the money. I can prove it is identity theft. The debt collector must stop all debt collection activities until it can verify the debt. Additionally, I have my original identity theft affidavit. I do not have a contractual relationship with XXXX XXXX XXXX. Unfamiliarity with the Company : This is the third time this company has reached out to me. Inappropriate Reporting : Fair Credit Reporting Act. This indicates potential issues with their reporting practices. Claims of Identity Theft : This points to potential issues with verifying the identity of the individuals associated and it is not me. Unsatisfactory Product/Service : All of these complaints fall under the complaint type, " Problems with Product/Service '', which indicates a more general issue with the way manages its debt collection process or communicates with its customers.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXXXXXX XXXX was advised this was a issue of their dealer when I renewed my lease, XXXX dealer at XXXX XXXXXXXX XXXX made a billing mistake and they reported as late payment and never advised me of this issue. please help
Consumer complaint received 2024-09-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (MI)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Please delete the following accounts. 

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 2016-10-07
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I chatted with a rep by the name of XXXX earlier this evening, XXXX, regarding a payment plan set up prior with another rep. I agreed to pay an amount of XXXX, my last payment made on account ending in XXXX. Additional payments due include XXXX by XXXX, XXXX by XXXX. These payments have been scheduled. However, as XXXX informed me, late payment fees are not waived as part of the payment plan. I did not inquire about over limit fees, however, I believe these should also be waived. I understand the account is past due and over limit, however adding late fees and or over limit fees do not help in the matter.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

It is frustrating to have discrepancies across my credit reports. XXXX has mostly accurate information, except for the XXXX XXXX XXXX XXXX. However, XXXX and Equifax did not remove this account, and it remains on your credit report, negatively impacting your credit score. My Capital credit card balances are still being reported inaccurately. They are not at XXXX % utilization ; in most cases, they are not even XXXX % utilized. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX has violated my rights. 

15 U.S.C. 1681 section 602A. States I have the right to privacy.

15 U.S.C. 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information Any other adverse item of information, other than records of convictions of criems which antedates the report by more than 7 years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-07-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Asset Management Outsourcing, Inc. (IL)

XXXX WAS WELL AWARE THATXXXX WAS PART OF FTC I.D . THEFT REPORT. THEY PROCEEDED TO SUBMIT THIS CHARGED OFF ACCOUNT IN 2008. THEY SENT TO XXXX COLLECTION AGENCIES WHICH DESTROYED MY CREDIT AND ENDED UP PAYING AMO RECOVERIES IN ERROR OVER {$1200.00} IN ERROR, IN VIOLATION OF FTC, FCRA, FDCPA AND TCPA SO ON!
Consumer complaint received 2024-09-09
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: FlexShopper, Inc (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Emergent Business Group XXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Account ( XXXX ) number XXXX, XXXX, XXXX To Whom It May Concern : This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. I have attached the notice I received below. 
I am requesting validation and not simply verification of the alleged debt. Specifically, a copy of the Original Purchase Agreement, the agreement must be with the original creditor and signed by all parties involved, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry if being reported. I am disputing this debt ; you should not report it to the credit reporting agencies If you have already. 
Finally, please note that I do not wish to receive further telephone calls or letters or any form of communication, this includes contacting family members or place of employment concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ).

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : - Defamation - Negligent Enablement of Identity Fraud Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. You will be required to appear in a court venue local to me, since you are clearly doing business in my area.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
Sincerely XXXX XXXX
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC (MD)

An unauthorized credit inquiry was requested/posted yesterday XX/XX/year>. Please see below information of the requestor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (TX)

Discover Bank had sent me a 1099-c but they are still reporting to my credit report A charge off is considered income according to the IRS Income is forbidden to be on a consumer report according to congress ( 15-usc16812ai ) no transaction or to be on a consumer report. I want this removed from all 3 credit bureaus I have asked them to remove it they told me no so now im coming to CFPB TO TAKE CARE OF THIS.
Consumer complaint received 2023-08-12
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)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2024-09-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc. (PA)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2024-09-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC (IL)

This is my third time having to write the CFPB because cross country does not know what is going on with their consumers loans. Cross Country in XXXX issued me an escrow check from my escrow account. I contacted them and advised my mailing address had changed. They advised that the check would be reissued, and this was in late XXXX. I have yet to receive the check in the mail and when I contact them, they advised they did not see a reissue of a check. I just want what is owed to me, should not be this complicated. The check is listed on my escrow statement from XXXX and the mailing address is the same as the one on the loan.
Consumer complaint received 2024-09-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (CA)

XX/XX/year> - Navient received my school misconduct application. 

XX/XX/year> - adjustment to account to {$0.00} No letter of cancelation received. 
XX/XX/year> - XXXX stated letter was mailed XX/XX/year> and check was processed XX/XX/year> XX/XX/year> - Ombudsman stated letter was not mailed nor refund check.
Consumer complaint received 2024-10-06
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: EQUIFAX, INC. (MS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OLIPHANT FINANCIAL, LLC (TX)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Self Financial Inc. (MN)

While on a medical leave from my employer, someone used my credit card and debit card for well over {$4800.00}. There has been multiple attempts to resolve this however the company, Self Inc, would not reverse thus actions. Spoke to someone who calls himself XXXX, would not allow me to speak to a Leader to escalate this issue. This individual then asked me to send in documentation in regards to my medical leave and a list of all medications. This is concerning and violates HIPPA.
Consumer complaint received 2024-09-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Synerprise Consulting Services, Inc. (TX)

According to the FCRA law 15 U.S.C. 1681 ( 3 ) ( a ) ( b ) ( c ) Restriction on sharing of medical information.-Except for information or any communication of information disclosed as provided in, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is * medical information.

* an individualized list or description based on the payment transactions of the consumer for medical products or services ; or C ) an aggregate list of identified consumers based on payment transactions medical products or services.

* 15 US Code 1681 ( 4 ) Limitation on redisclosure of medical information-Any person that receives medical information pursuant to paragraph ( 1 ) shall not disclose such information to any other person, except as necessary carry out the purpose for which the information was initially disclosed, or otherwise permitted by statute, regulation, or order. 
The medical bill for XXXX should not be on my credit report.
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX, my checking account had a significant amount of money and bits of transactions were getting charged daily and I was not receiving any alerts through the app. These charges were from somebody on a fake cashapp account, XXXX XXXX Checking Account ( Withdrawing money from my checking account directly to theirs ) and also other charges. I reported this to Capital One as soon as I realized. The claim ID # was XXXX for the amount of {$5600.00} created on XX/XX/XXXX. 

They told me I would be credited within the 10th business day! But somehow someway they happened to finish their investigation in 3 business days stating that I authorized the charges! I was irate because I did not cause these transactions! I showed them proof that I even had to lock my social due to identity theft! I asked for information and proof of their reasoning behind their decision. For some odd reason, that took them 5 days to get it to me!

So, a {$5600.00} unauthorized claim takes three days to deny the claim but takes them 5 days to send me the reason why ( which all via email ; not mail ). I appealed it as soon as I received their reasoning behind the decision and showed them even more proof on why I wasnt the one behind the charges.

They tell me in 10 business days if they havent came to a decision ; I will receive provisional credit. After the 10th business day, they stated that Im not getting that credit due to the fact that its an appeal and that I have to wait up to 45-60 days. All of this is documented! On the 15th business day they reach out once again with the same decision and the same results on why they denied it!

I was devastated because I was robbed of a lot of money and my own Financial Institution did not show me any support whatsoever! That put in a financial burden and debt. A couple months later I received an email from one of the companies who were unauthorized charging me stating briefly that in the Month of May they experienced a huge breach through Cybersecurity!

This is a brief copy and paste of the email. Ill also upload the screenshot of the entire email. 

It appears the threat actors did access and download customer information from XXXX databases and a file share during periods in XXXX and XX/XX/XXXX. 

Within these downloaded files, Evolve identified the following personal data about you : Name, Contact Information, Evolve Account Number, Social Security Number and Date Of Birth. 

This is the proof that I needed to prove that I was not responsible for these transactions!
Consumer complaint received 2023-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing this as I am a consumer and has been a victim of inaccurate reporting by XXXX XXXX on their account [ Account Number : XXXX ]. I want to bring to your attention the fact that the account has been inaccurately reported as " paid twice ''. This error on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ) regulations. 

I am hereby requesting the Credit Bureau to remove any and all credit information associated with XXXX XXXX XXXX account [ Account Number : XXXX ] from my credit report, as your bureau is a party to this reporting of incorrect payment history. The inclusion of such an entry in my credit report, as " paid twice '' has adversely affected my credit score, which in turn has had unnecessary financial consequences. 

The accurate information which XXXX XXXX  should have had provided was in fact that I made a payment in full for the account [ Account Number : XXXX ] and the account was closed after balance was fully paid at end of year 2020. Any entries reporting an incorrect status or repeating the same information would not only be a violation of FCRA guidelines but also misleading as such double pay or overdue/pending payments ultimately give incorrect certainty to my creditor scoring. 

The reporting of " paid twice '' has marginalized my credit standing with the worthiness as a borrower and also has had impacts like higher interest rates, having difficulty in securing loans from various lenders, and so summarily created unnecessary financial hardships. 

This reporting error by XXXX XXXX has caused significant inconveniences to me and failed to comply with FCRA provisions. The FCRA regulations aim to protect consumers from inaccurate credit information, and as such, any violations of these laws will attract legal actions for failure to comply.
Consumer complaint received 2023-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (MA)

I submitted an application for the XXXX XXXX to Wells Fargo on XX/XX/2023. Wells Fargo then proceeded to deny my application despite my credit score being XXXX. I sent in a request for reevaluation on XX/XX/2023, in which they sent me a physical letter detailing that they could not verify my identity and that I had until XX/XX/2023 to send them the corresponding documents for verification. I submitted proof of my identity ( passport, rental agreement, and renter 's insurance ) to Wells Fargo on XX/XX/2023, who promptly denied my application on XX/XX/2023. I called Wells Fargo on XX/XX/2023 to understand why my application was denied. The Wells Fargo representative stated that my application was rejected because the application had expired on XX/XX/2023. However, the physical letter that was sent to me after my request for reevaluation stated that my application would be open till XX/XX/2023. Despite multiple calls, Wells Fargo was not willing to reopen my credit card application and I was told to start a new application and reapply for the credit card. After this whole process, I have two hard inquiries on my credit report and no credit card to show.