davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-16
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. (TX)

This is not my account, nor am I responsible for the debt owed on this account with XXXX XXXX XXXX XXXX and this should be removed from my consumer report I do not have a contract with them they did not provide me with any original contract as requested in accordance with the FCRA Fair Credit Reporting Act. XXXX XXXX XXXX has violated my rights ; 15 USC 1681 section 602A. 15 USC 1681 section 604A section 2, 15 USC 1681c ( a ) ( 5 ), 15USC1681s-2 ( A ) ( 1 ),
Consumer complaint received 2024-09-13
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. (NY)

I am writing this letter as my third attempt to dispute and rectify the inaccurate negative items listed on my credit report with XXXX and Experian. Despite my previous disputes, these errors remain unresolved, and it is unacceptable that you have failed to act accordingly.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Resurgent Capital Services L.P. (FL)

After checking all 3 credit reports, I found an entry for a credit card issued through XXXX XXXX Bank that was showing in collections through LVNV Funding LLC. As I have no knowledge of this account, I disputed in with the credit reporting agencies. They said that the report will remain as they confirmed the information is valid through LVNV Funding, LLC. On XX/XX/2023, I wrote to LVNV Funding LLC stating that the account through XXXX XXXX Bank does not belong to me and that I have no knowledge of such an account. I then requested a complete copy of all documentation they had from XXXX XXXX Bank, proof that I authorized the account, copies of all receipts of purchases, etc. made, etc. I requested that the information be provided within 15 days or I would file a complaint with you. It's been 30 days since my letter to them and no response. The account they say belongs to me does not and they have not proven that it is.
Consumer complaint received 2020-01-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (AZ)

On XX/XX/XXXX I was preparing to send {$2500.00} to my future wife in XXXX, XXXX. The company refused my sending the funds due to, and I quote, '' XXXX, XXXX XXXX and XXXX are three countries that we do not trust based on money laundering activities and other illegal issues ''! Further, over the past year I used this country numerous times to send funds to her without difficulty. I was asked to go to another facility of the same name to retreive my {$2500.00} plus service fees of {$120.00}! I retreived the funds and went back where I started this transaction and they allowed me to send only {$300.00}. The following day, I went back and tried to send more funds but was told that my history of sending funds changed dramatically and I was denied by the company that it appeared that I could be involved in a possible money laundering scheme!! I was ordered out of the store and was denied their service at any facility under their authority. I have never been accused of any illegal enterprise activity in my life. I am XXXX with 26 years with the XXXX XXXX XXXX, as well as 15 years with a XXXX XXXX, and received many honors and awards while XXXX my XXXX. I filed a complaint with the parent company per their directive and it was sent but they still wanted to much private information about me which I felt was to intrusive. The company basically refused to discuss the issues with me. I was trying to get my future wife to buy an automobile in XXXX with the advanced funds so we would have our own transportation instead taxis or other conveyance! I plan on returning in XXXX, XXXX and would have paid the balqnce of the car with my funds. That was the reason for sending {$2600.00} to her via transfer. The company making the remarks of my illegal dealings in the XXXX was totally unjustified! I am considering retaining my family attorney in defending me based on defamation and slander of my character. Thiis issue was totally uncalled for and to accuse me of a federal offense, which is punishable with 14 years in prison if convicted. At this time I can not send funds because of this matter. Another company who I asked for this service refused based on the issue with the current company in question. In other words, my character and name have been vilified by false accusations made by this company. This issue should have never happened and I hope justice will be served!
Consumer complaint received 2024-10-28
Product: Debt collection — Mortgage debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PLANET HOME LENDING, LLC (MI)

found taped to my door a white envelope not sealed looked ripped open hand written in Black sharpie - the enveloped was attached with green painters tape in envelop was my account number and trying to reach about debt slip of paper for anyone to see
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2024-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC (GA)

For CREDIT MANAGEMENT COMPANY XX/XX/year> & CONTRACT CALLERS XX/XX/year> I have no knowledge of and refuse to pay this debt that I AM NOT familiar with at all! I, XXXX XXXX XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX UCC 1-308 ALL RIGHT RESERVED WITHOUT PREJUDICE!
Consumer complaint received 2024-09-13
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. (NY)

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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-09-13
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. (PA)

Violation of the PRIVACY ACT OF 1974 Violation of I.R.S PUBLICATION 4681 under canceled debt, charge off account is considered a certificate of indebtedness and it is considered as income and income should not be showing on my consumer report.
Consumer complaint received 2024-09-20
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: EQUIFAX, INC. (RI)

My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-13
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. (IN)

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 U.S.C. 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 Section1 602 ( a ). States I have the right to privacy. 15 U.S.C. 1681 Section 2 604 ( a ) It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc. (FL)

I am filing this complaint to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Experian credit reporting agency remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of : Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Organization : XXXX XXXX Account XXXX : XXXX Date fraud began : XX/XX/XXXX An auto loan. Organization : XXXX XXXX  Account XXXX Date fraud began : XX/XX/XXXX Organization : XXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/XXXX Organization : XXXXXXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/XXXX Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Organization : XXXX Account Number : XXXX  Date fraud began : XX/XX/XXXX Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Organization : XXXX  Account Number : XXXX Date fraud began : XX/XX/XXXX Organization : XXXX  Account Number : XXXX Date fraud began : XX/XX/XXXX Organization : XXXXXXXX XXXX XXXX Account XXXX : XXXX Date fraud began : XX/XX/XXXX Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Organization : XXXX Account Number : XXXX fraud began : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. I have attached a copies of the FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-01
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Freedom Mortgage Company (AZ)

I was in forbearance with XXXX XXXX until XXXX, XXXX. 

XXXX XXXX sold our mortgage to Freedom Mortgage XX/XX/year> without notification of transfer. 

Freedom Mortgage sent mail saying I owed {$16000.00} in debt when my payment were paused with XXXX XXXX ( False Information ). They also said my forbearance ended XXXX XXXX and my account was in severe delinquent status is I did not pay mid month without sending notice. ( False Information ). 

Now they are asking for more documentation for starting over the forbearance process which should be transferred with my account.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

My credit score plummeted from XXXX to XXXX in XX/XX/year> ( from good to poor ). I contacted the credit report agencies and they told me to ask my bank what happened because they received a report on an account information dispute from the bank. I called my bank and they told me that they have no record of any dispute or change in circumstances.
Consumer complaint received 2024-10-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (OH)

A XXXX XXXX collection appeared on my credit report, the account is in XXXX  and I have never lived in XXXX. I informed the collection agency and XXXX that I have never had a XXXX  account and it was fraudulent. Collection agency stated earlier this year they would remove the collection but have not. The account is fraudulent but no one is willing to investigate and the account remains on my credit report.
Consumer complaint received 2024-07-16
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (GA)

I sent a certified letter with return receipt to XXXX XXXX XXXX on XX/XX/year> to request " Validation '' of an alleged of {$3100.00}. XXXX XXXX XXXX has " Failed To Notify '' XXXX, Experian, XXXX and any other consumer reporting agencies about the disputed Collection account found on my consumer profile which has NOT been properly validated. XXXX XXXX XXXX is using an unlawful tactic known as " Parking Debt '' on my consumer profile without delivering required disclosures prior to furnishing data to the consumer reporting agencies. A " CEASE and DESIST '' of communication was requested in the Validation letter. Collection activity and/or communication to third-parties has not ceased by my personal non-public information being shared without proper Validation or consent. XXXX XXXX XXXX has been " Wilfully Non-Compliant '' with sending emails which had unsubscribed from, in violation of my consumer rights under the FDCPA. XXXX XXXX XXXX is damaging my ability to obtain credit, and affecting my mode of living.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (WA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX has violated my rights. 
account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Klima, Peters & Daly, P.A. (MD)

I am filing this complaint against XXXX XXXX XXXX regarding unsubstantiated collection attempts tied to an alleged debt with account numbers XXXX, which they claim to have acquired from XXXX XXXXXXXX XXXX  XXXX Additionally, this complaint includes Klima, Peters, & Daly PA, a separate collection agency involved in these attempts. Despite repeated requests, neither XXXX XXXX XXXX nor Klima, Peters, & Daly PA, or previous collectors have provided documentation to substantiate their claim or verify the alleged debts legitimacy or validity.

For clarity, I have not acknowledged the existence, accuracy, or validity of this alleged debt and expressly deny any liability for it. I have, however, requested that these agencies provide : Documentation demonstrating Velocity Investments LLCs or Klima, Peters, & Daly PAs claimed ownership of the alleged debt ; A copy of any original agreement with XXXX XXXX XXXX purportedly associated with this alleged debt, which would demonstrate any obligations claimed ; and A verification of the amount they claim is owed, including a full breakdown of any fees, interest, or penalties allegedly accrued. 

Despite these legally valid and reasonable requests, no such documentation has been provided by either XXXX XXXX XXXX or Klima, Peters , & Daly PA. This failure to provide verification violates the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Act ( XXXX ), both of which require debt collectors to validate a debt upon the consumers request. 

I further assert that these repeated collection attempts, absent substantiation, constitute harassment and misrepresentation, resulting in unnecessary distress and confusion. Without clear documentation, I am unable to confirm or assess the legitimacy of the alleged debt, and it remains, in my view, unsubstantiated. 

I respectfully request that the CFPB investigate this matter to ensure that all debt collection practices by XXXX XXXX XXXX and Klima, Peters, & Daly PA comply with federal laws. I further request that these agencies cease all collection activities concerning this alleged debt until they provide the requested documentation verifying its existence, ownership, and validity. 

Thank you for your attention to this matter. I look forward to a resolution that protects my rights as a consumer under federal law.
Consumer complaint received 2024-10-28
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Corp Solutions Inc. (MA)

The called me on XX/XX/year> @ XXXX saying that they a company called credit court solutions XXXX in XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  utah XXXX. With a phone number of XXXX spoke with someone named XXXX saying that I owe a balance from XXXX and they are trying to collect a debt.
Consumer complaint received 2020-01-02
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. (PA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX {$470.00} XXXX {$11000.00} Reported balance XXXX Last reported XX/XX/XXXX {$7800.00} Reported balance
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SECURITY FINANCE CORP (SC)

I did not provide authorization or consent for this inquiry, and I am concerned about the impact it may have on my credit score. 

Under the Fair Credit Reporting Act ( FCRA ), only inquiries with proper authorization should be included in a consumers credit file. As I did not authorize this inquiry, I am requesting that you immediately remove it from my credit report. 

Please provide written confirmation of the removal of this inquiry. If you require any additional information from me to complete this investigation, feel free to reach me at the contact information provided above. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-13
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: Experian Information Solutions Inc. (GA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-09-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

Called XXXX XXXX XXXX multiple times within the last three months for a copy of the lease agreement that they have not provided. Also was rude and uninformative asked to speak to a manager and I was told I could not. Also was lied and stating they had a different document that I have never seen and they refused to provide it to me.
Consumer complaint received 2024-10-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (LA)

On XX/XX/XXXX, the XXXX XXXX XXXXXXXX deposit a check and to my cash app app account ending in XXXX check was never received people at Cash app said they dont have it or they dont see it. They said that they would do an investigation for XXXX days and I hear something its been 10 days. I havent heard from them.