davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Automated Collection Services, Inc. (GA)

After going to a XXXX  ( XXXX XXXX, XXXX XXXX, Ga for XXXX XXXX screening with insurance I received further bill after paying copay and more at the appt. I explained to Dr. office I had to go on XXXX because of illness and I would pay when I could as I had a stack of medical bills and was not able to work. Dr. turned XXXX bill over to Automated Collection Services , Inc. XXXX XXXX XXXX, XXXX XXXX, XXXX. I took Automated Collection Services calls explained the situation and was making payments. Out of the blue with no warning they reported me to XXXX  as not paying debt and my credit score dropped 30 points. I was very upset and scared so I paid off the rest and reported complaint with XXXX. They said when they looked in to it because the debt was paid there was nothing they could do. They were rude and offered no type of resolution of how to repair my credit score. My credit score has not gone back up even though I paid the debt. Thats what I want at this point. I was working with Automated Collections Services Inc. to pay off debt and it is wrong they were able to damage my credit like this.
Consumer complaint received 2019-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (GA)

This complaint involves company XXXX XXXX XXXX XXXX who is illegally and it's two collection companies Enhanced Recovery and XXXX XXXX. In XX/XX/XXXX I contacted XXXX XXXX  and requested validation of a {$830.00} debt as it is invalid and does not belong to me. They were unable to validate and removed it from my account. XXXX XXXX XXXX XXXX then sold the debt to Enhanced Recovery in XX/XX/XXXX. Once again I had my attorney send them written request to legally validate this debt as it's invalid. Enhanced Recovery responded by removing it again from my report. For a 3rd time in XX/XX/XXXX it went back to XXXX XXXX who again I sent letters of validations. As of XX/XX/XXXX it was removed from my credit as invalid. 

Today I was notified by my credit monitoring service that for a now 4th time the debt has been transferred back to Enhanced Recovery who is illegally reporting this debt on my credit report. I have asked them on two previous occasions to valid this debt and they have not. 

I have also contacted the original company XXXX XXXX XXXX XXXX directly about this debt on XX/XX/XXXX and XX/XX/XXXX and the information they provided was that this debt is for equipment charges that was not returned. I provided copies of the receipts at that time that the equipment was returned using their requested method which was XXXX. Tracking numbers were XXXX and XXXX. The customer service rep advised she could CONFIRM that it was returned and the equipment is now being used by another XXXX XXXX XXXX XXXX customer however I am still being charged for it as unreturned. I requested to speak with a manager and explained to that manager how could it be legal to charge me for unreturned equipment when you have confirmation it was received AND that it is now being used by another one of your customers. If I am being charged {$830.00} for equipment that equipment should now belong to me as my property not being used in the home of another customer. The manager at that time resolved the issue by having the collection companies remove it. Unfortunately however they wait a few months and trade it back and forth and place it back on my credit report to damage it. I have to keep battling the 3 companies together from damaging my credit report. 

I ask that you please assistant me with FINALLY resolving this illegal matter.
Consumer complaint received 2018-10-19
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. (CA)

Not ever was permission granted or requested, to track, list, store, report, gather, or handle by any means any information with regard to XXXX XXXX XXXX. If any documentation exists that shows any such permission has been granted or otherwise authorized, let it be stated : under false pretenses and without full disclosure were these contracts acquired. 
Furthermore, with regard to statements made by creditors or government agencies of all type, that claim liability and or levy against XXXX XXXX XXXX, let it be as stated : these are all in violation of public policy as XXXX XXXX XXXX is exempt from levy ; XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I have repeatedly tried to resolve the issue of false, incorrect, and deceptive information on my consumer report, but it remains unaddressed. These entries have severely disrupted my life, leading to considerable distress. I must emphasize that I never gave permission for this information to be associated with my identity, as I am a victim of identity theft.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (AR)

I am writing to file a formal complaint against Experian due to ongoing issues with their customer service and misleading practices. 

On Friday, XX/XX/24, I attempted to access my credit report through XXXX online platform. Despite multiple attempts, I was repeatedly directed to call their customer service number, XXXX, as the online process did not allow me to complete my request. The number provided did not connect me to a live representative, and the automated system only looped through various pre-recorded messages without offering any means to speak with a person. 

Desperate to resolve the issue, I had to find a different number and I had to resort to using a workaround by stating that I wanted to file a dispute, which finally connected me to a human representative. However, this was only possible through a different phone number than the one listed by Experian, which I found through external resources. This deceptive practice forced me to waste significant time and effort just to reach a person. After conducting some research, I discovered that many others have encountered similar issues, as widely reported on various online forums. This indicates a systemic problem that Experian has failed to address. 

When I eventually spoke with a representative, I was asked to verify my identity through a series of questions. I answered all questions correctly, but the representative insisted that my answers were incorrect. Despite knowing my information was accurate, I was then provided with yet another phone number, which also failed to connect me to a live person. This is a clear indication that Experian is fully aware that their listed customer service number does not reliably connect customers to real representatives. 

On Monday,XX/XX/24, I attempted to follow up again, but the phone calls were still unsuccessful. When I tried to proceed online, I was once more redirected to call the same ineffective phone number, which only led to more frustration. 

Experians failure to provide functional customer service lines and the need to rely on workarounds to reach a representative constitute false advertising and a failure to provide the services they promise. This issue has caused undue stress and wasted valuable time, all while I am trying to manage my credit information. 

I request that the CFPB investigates Experian for these repeated issues, as they clearly impact a significant number of consumers and violate fair service practices. 

Thank you for your attention to this matter.
Consumer complaint received 2023-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2016-11-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company (GA)

Focus Receivables Management has been calling me every day for the past 8 months. When i answer half the time i get either a rude response and then they hang up, or they just hang up as soon as i answer. No matter what time i have called them back when they leave voicemails it never goes through or always goes to voicemail. I 'm to the point of worry every time the phone rings at this point, It 's harassment at this point.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I am writing to file a formal complaint regarding fraudulent inquiries on my credit report. Upon reviewing my credit report, I discovered several inquiries that I do not recognize and believe to be the result of fraudulent activity. The unauthorized inquiries have significantly impacted my credit score and have raised concerns about potential identity theft. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference. The unauthorized inquiries have significantly impacted my credit score and have raised concerns about potential identity theft. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct :
Consumer complaint received 2019-03-22
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. (CA)

The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent inquiries to my credit file. As a result, I disputed these identity fraud inquiries with this company on XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. But until now, as I am writing to you, this company is still reporting these fraudulent inquiries contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. Please REMOVE this fraudulent information from my credit report, as per 605B of the Fair Credit Reporting Act : XXXX XXXX, Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX I am attaching the dispute letter/documents I sent to this company on the XXXX and my FTC report, in case they need to reference or review.
Consumer complaint received 2023-10-14
Product: Debt collection — Rental debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: National Credit Systems,Inc. (NH)

XX/XX/XXXX 30 day notice XXXX XXXX XXXX XXXX. XX/XX/XXXX spoke to XXXX XXXX XXXX from XXXX XXXX sheriff department where he told me no writ of positions or eviction given to him on my behalf. XX/XX/XXXX storage unit rental agreement n deposit for new house dated XXXX with all due respect please see attached sec8 voucher policy if I owed any or that money they ( XXXX  ) would of reported to my sec 8 voucher but they never did this is all conspiracy by XXXX XXXX XXXX XXXX and XXXX attorneys XXXX siblings due to retaliation in attempt to destroy and sabotage my credit XXXX XXXX  attorneys set me up idue to complain filed on the XXXX  that fell in my favored back in XXXX this is retaliation. They placed eviction stickers on my appt 5 months after I moved in attempt to humiliate me. Not to mention the harassment and calls all day by creditor. I have att I did not pull up call log but can if needed. Thank you!
Consumer complaint received 2018-10-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

XXXX XXXX is deliberately reaging debts, violating FCRA 623 ( a ) ( 5 ). I have not opened any new accounts in years and they are reporting an open date on several accounts on XX/XX/XXXX. I have made several attempts and disputes to get this resolved to no avail. No account has gone delinquent or open on XX/XX/XXXX for me, they are restarting a debt clock. My last payment to capital one was XX/XX/XXXX.
Consumer complaint received 2019-03-22
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. (CA)

The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent inquiries to my credit file. As a result, I disputed this identity fraud inquiries with this company on XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. 
But until now, as I am writing to you, this company is still reporting these fraudulent inquiries contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. Please REMOVE this fraudulent information from my credit report, as per 605B of the Fair Credit Reporting Act : XXXX XXXX XXXX Inquiry DateXX/XX/XXXX XXXX XXXX XXXX Inquiry DateXX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/ XXXX XXXX Inquiry Date XX/XX/ XXXX XXXX Inquiry Date XX/XX/ XXXX XXXX XXXX Inquiry Date XX/XX/ XXXX XXXX XXXX Inquiry Date XX/XX/ I am attaching the dispute letter/documents I sent to this company on the XXXX and my FTC report, in case they need to reference or review.
Consumer complaint received 2018-10-22
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. (IN)

I have reached out to the XXXX, Equifax, and XXXX in regards to the 2 accounts showing on my report XXXX XXXX and XXXX, I have contacted them several times advising them they were fraudulently opened and unauthorized by me, I have been dealing with this issue since XX/XX/2018, I do not have a XXXX account or a XXXX account and never have, I want this issue to be resolved, I have done all the proper procedure they have asked of me and still nothing has changed. I want this to be resolved please.
Consumer complaint received 2023-07-01
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. (HI)

In accordance with the Fair Credit Reporting act Convergent Account # XXXX XXXXXXXX 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 2018-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

I accidentally clicked pay entire balance from my USAA bank app on phone from my other banks linked account. I immediately realized my error and called credit card company and they said it was too late contact paying bank. I called them and they said come to bank. I immediately went to bank and they charged XXXX dollars for a stop payment on transfer which I gladly paid. Two days later transfer went through. Causing XXXX overdraft. Bank said there was nothing they could do. Credit card company said there was nothing they could do. Now Im accumulating overdrafts with both parties saying theres nothing they can do and my stop payment XXXX fee will not be refunded either because they say theres nothing they can do. Im stuck in cyberspace nightmare because of my fat fingers paying a bill on my phone. Can somebody please help me? Thank you!
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

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 items : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$8400.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX.
Consumer complaint received 2018-10-20
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: JPMORGAN CHASE & CO. (SC)

Chase Bank sent these two letters in an attempt to verify two charge offs on my CR. These are not my accounts and I DID NOT REQUEST A FRAUD INVESTIGATION FROM chase bank. ( See attachments ). Chase bank on this website stated they were not contacting me on my issue anymore however they are sending letters implying that Im requesting a fraud inquiry. I have Not contacted chase bank since XXXX by certified letter requesting removal of the charge offs. Since that time chase bank has performed unrequested inquires and fraud investigations without my approval attempting to verify a debt thats not mine. The 3 CRAs are simply parroting inaccurate unverified information from chase bank. Now I feel like Im being harassed by chase bank who will not comply with the guidelines of the FCRA in reference to inaccurate unverified information placed on consumers CRs.
Consumer complaint received 2018-10-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (GA)

My half-sister ( XXXX XXXX XXXX ) visited XXXX Hospital in XXXX, XXXX in XX/XX/XXXX, where she took my niece to be treated. I was not present and had no knowledge of this visit. Over a year later, her unpaid balance suddenly showed up on my credit report, with the bill coming from XXXX XXXX XXXX ( XXXX ). I visited XXXX Hospital in person in the fall of XXXX, where they discovered that my name had " accidentally '' been added to the account as a guarantor. I had my name removed from the account. XXXX contacted the debt collector and the debt was removed from my credit report. 

In the spring of XXXX, the debt showed up on my credit again, this time from a different debt collector. I went through the same process again. I disputed the debt, called XXXX, called XXXX, and the account was once again removed from my credit. 

In XX/XX/XXXX I relocated to XXXX, XXXX for work. Within a few weeks of my move, a debt collector ( Phoenix Financial Services ) sent a letter addressed to XXXX to my new address in XXXX. I returned to sender and included her correct address. Now the false account has showed up on my credit report again. I immediately called XXXX, who acknowledged their mistake and admitted that my name was not completely removed from their records. I then contacted XXXX and demanded that she pay the bill immediately, which she claims to have done. Finally, I disputed the false account with Phoenix. Phoenix responded to my dispute yesterday and said that the account was " verified '' and that they have proof it is my account. This is impossible since I never signed anything, was never present at the hospital for any treatment, and have never been financially responsible for XXXX or her daughter.