davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This morning, I was shocked to find inaccurate accounts listed on my credit report. I check it regularly, and suddenly, these discrepancies appeared out of nowhere. I even refreshed my browser, thinking it might be a glitch, but nothing changed. These errors didn't go away, and now Im left deeply concerned. I urgently request a thorough review of the documents Ive submitted so that I can stop worrying about this happening again.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED 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 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 2024-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation (TX)

cant get to cs they tx u automated said his name is XXXX he a csr, nothing when u tx bk your concern. never got anything on doing it on line, this nonsense on fees to mail statements needs to come to and end, they make enough on lates fees, XXXX  mailing is not XXXX
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: The Bureaus, Inc. (GA)

I sent the following information on XX/XX/year> to the company ( The Bureaus Inc ) regarding the illegal collection activities for the amount of {$15000.00} and got no response nor corrective actions on their part.

Dear The Bureaus, I am writing to formally dispute the collection account referenced in my credit report and to address multiple violations of my consumer rights under federal law. The collection account in question has been
placed on my consumer report by your agency without adhering to the required legal procedures. Below, I outline the specific violations : 1. **Failure to Provide Validation Information** : According to 12 CFR 1006.34 ( b ) ( 5 ), your agency is required to provide specific validation information to me as the consumer. Despite this, you have not furnished any validation information for the alleged debt, yet it appears on my consumer report.

2. **Lack of Opportunity to Dispute the Account** : Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I am entitled to a reasonable opportunity to dispute the account. I have not been given any such opportunity to dispute this account prior to it being reported to the consumer reporting agencies.

3. **Use of False, Misleading, and Deceptive Practices** : Your agency is in violation of my consumer rights by using false, misleading, and deceptive means to collect a debt. This is a clear infringement of the guidelines set forth to protect consumers from unfair collection practices.

4. **Improper Furnishing of Information to Consumer Reporting Agencies** : Your agency has no authority to furnish any account information to consumer reporting agencies without providing all required disclosures by law. This is in direct violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

In light of these violations, I am requesting the following actions be taken immediately : 1. **Removal of the Collection Account** : The erroneous collection account must be removed from all consumer reporting agencies.

2. **Cease and Desist Communication** : Your agency must cease all communication with me regarding this alleged debt unless it is to inform me that the account has been removed from my credit report or to provide the validation information as required by law.

3. **Provide Validation Information** : If you believe the debt to be valid, please provide all the required validation information in compliance with 12 CFR 1006.34 ( b ) ( 5 ). Please consider this letter as a formal complaint and request for investigation into the aforementioned violations. Failure to address these issues promptly will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory authorities. I expect a written response within 30 days from the date of this letter detailing the actions taken to resolve these issues.
Consumer complaint received 2023-02-16
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 2022-10-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (CA)

I filed XXXX complaints with CFPB regarding a Fraudulent charge of $ XXXX not made on my phone or computer, and without my knowledge or consent, but was allowed by XXXX XXXX XXXXXXXX who did not call me to confirm if the transactions were made by me. In the past XXXX XXXX XXXXXXXX denied a transaction to a XXXX XXXX causing me to call them to verify that it was a legitimate transaction. This time XXXX failed to contact me to verify the legitimacy of the " Fraudulent '' transaction mentioned on my below mentioned complaints on : ( CFPB Complaint numbers # XXXX and # XXXX ) Instead XXXX XXXX XXXXXXXX approved the Fraudulent Transaction and during the CFPB investigation, XXXX transferred the Fraudulent XXXX XXXX debt XXXX to Comenity Capital Bank, XXXX XXXX XXXX. 

On XX/XX/2022, I spoke with " XXXX '' at Comenity Capital Bank because I received several " Hang Up Calls '' from them as per Caller ID. I also received a collection letter from them date XX/XX/2022, attempting to collect the fraudulent debt XXXX transferred to them during CFPB investigation as per the aforesaid complaint numbers. Please note that " I texted several messages to Comenity Capital Bank '' to the telephone number reflected on my " Caller ID '', to include pictures of the CFPB Complaint numbers, explaining the fraud situation asking them to cease and desists collection activities and to contact CFPB and provided your office telephone number. 

When trying to explain what occurred to XXXX, he stated that they were not Bank XXXX XXXX at which time I explained about the Fraudulent debt and that I texted information regarding the fraudulent charges and that they should contact XXXX and CFPB to corroborate my statement. I asked him to document what was stated during our phone conversation and for XXXX to ask his management what to do about the Fraud XXXX sent them. XXXX then said that he would transfer me to their fraud unit but I informed him to document our conversation and that I had already texted that information and to contact XXXX and your office ( CFPB ) and culminated contact. Comenity Capital Bank, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX
Consumer complaint received 2023-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Block, Inc. (CA)

I have had 3 fraudulent/unauthorized charges from XXXX on my XXXX XXXX card. I do not use XXXX and have not placed any orders. I contacted XXXX and they could not find my account. I stopped using XXXX before I had a cash card. After the first charge I found that I lost my debit card, so I closed it and requested a new one. Since then I had 2 more charges. I have disputed the charges with Cash App and they have denied the claim based on documents they have. Cash app says that you can request the documents at any time, but when I have reached out, they have said that they can not give me access to the documents. I feel like I am getting the runaround.
Consumer complaint received 2022-11-18
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. (GA)

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 ; XXXXXXXX XXXX  XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXXXXXX Balance : {$13000.00} ; XXXX  XXXX Balance : {$160.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VI)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: VYSTAR CREDIT UNION (FL)

The vystar website has been down for over a month. I have been unable to access my account to monitor my account due to vystar mismanagement of their online banking. Repeatedly customers were assured their funds were safe. I got a text today XX/XX/2022 that I had a fraud for {$1.00} but it was really {$100.00} and Came to find out that this has been going on since early XX/XX/2022. Vystar never caught this fraud when it was coming from CA or WA or NY when I am in FL. In total my fraud has been up to {$250.00} and has been going on since XX/XX/XXXX. I was told that I had more charges that werent even popping up on my bank online account.
Consumer complaint received 2022-06-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/2022 I tried to sell my gas range on XXXX marketplace. The buyer said she transferred {$250.00} via XXXX from her account to mine. I never received that amount and instead received an email saying that buyer is using her business account for XXXX and she will have to upgrade her account by sending {$200.00} more because there is a limit. 
I then got an email as if it came from XXXX saying that {$450.00} is on hold and I have to credit back {$200.00} to the sender. I initiated a {$200.00} XXXX credit which got processed and I never received {$450.00}. Later bank of America ( my bank ) told me that it was a fraud.
Consumer complaint received 2022-06-26
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX 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.
Consumer complaint received 2022-06-26
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. (TX)

in accordance with the fair credit reporting and XXXX  account # XXXX, Account Name : XXXX 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 a account without my written instructions
Consumer complaint received 2022-11-17
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. (NJ)

My dispute is with Transunion only who seems to be the only credit bureau inaccurately reporting on my credit report. On XX/XX/2022 I submitted a dispute to validate and verify this collection account, XXXX XXXXXXXX XXXX, for it was an account I did not recognize. Dispute results came back on XX/XX/2022 with no corrections made and continues to reflect on my credit report. First, I do not believe TransUnion maintained reasonable procedures to assure maximum possible accuracy in my credit report. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. In addition to disputing the validity of this collection account, TransUnion is reporting this collection account as an " OPEN ACCOUNT '' which is not under FRCA compliance. 
I would appreciate if this matter be investigated further.
Consumer complaint received 2022-12-06
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Delivery Financial Services, LLC (OK)

I received a call at my moms number, it was XXXX something in the morning XXXX. It was a person with the XXXX XXXX collecting a bill for internet with XXXX. Well I already have a company prior to this company on my report collecting this. They told me they was collecting for Delivery Financial Services, which is the collection company that was first trying to collect a bill that was not owed due to the original creditor had credited back that bill for internet not working properly and we had cancelled the service for non service. So both companies XXXX & Delivery Financial Services are on my credit reports trying to collect a bill not owed, also XXXX is a no contract company for services. If a contract was made it was without knowledge of this, unless they sneak it in as a signature of install by the tech paperwork on install and told that it is a signature they need to prove hook up, which is illegal to make it a contract off of that.
Consumer complaint received 2024-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2022-06-25
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. (NC)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number 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
Consumer complaint received 2022-12-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (TX)

After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with account listed under Phoenix Financial Serv and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2022 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2022-06-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (IL)

Received call from debt collector regarding medical debt owed to XXXX XXXX XXXX XXXX performed in 2018. I informed them the account was paid in full at the time of service and that I dispute this debt. No dispute information was shared with me via mail despite request for record of the dispute over the phone. 

Collection has now appeaoon my credit report affecting my credit negatively.
Consumer complaint received 2022-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the fair credit reporting act .The list of accounts below has violated federally protected consumer rights to privacy and confidentially under 15 USC1681 XXXX XXXX Delaware XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A 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 ) section sates : no consumer reporting agency make any consumer report containing any of the following items of information any other adverse item of information other than records of conviction crimes which antedates the report by more than seven years 15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-06-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (FL)

I am a victim of identity thief I contacted the proper authorities I was instructed to file a identity thief report with the federal trade commission, a police report and a identity thief affidavit. I am requesting these accounts be deleted immediately. Upon checking my credit report I discovered that there was several fraudulent accounts on my credit report, I have contacted the creditors and furnished the creditors with the above stated documents.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This letter is to inform XXXX that you are reporting a fraudulent account that arose from Identity theft. It had been previosly deleted and came back to my report. I never applied for this credit card and did not recieve any good or services from XXXX. In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX XXXX  has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 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 resonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cadillac Accounts Receivable Management (PA)

I have been getting calls from XXXX from Cadillac Accounts Receivable Management from the phone number - XXXX. They keep calling once every month saying that I have a debt. They never disclose what the debt is about. I ask them to send a notice or mail and they never send that too. 

I tell them everytime that I am not receieving a notice and they say I have a debt. How do I verify they are not scamming me or if the debt is even real. I dont have any unpaid bills that I am aware of. Appreciate any help you can provide on this.