davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (CO)

On XX/XX/2024 I opened a dispute regarding XXXX XXXX XXXX XXXX 

The dispute was regarding the item not being in the delivered package. I also supplied both XXXX and CashApp the card issuer of my debit card that I am doing the dispute through a police report from XXXX XXXX Police Department that I filed when the missing item was discovered since the value of the scooter was over {$1000.00}. 

XXXX informed me that CashApp as refunded the transaction back to them, but has not yet distributed it to my account. I have received no update or information from CashApp, nor the temporary credit required from Regulation E. 

Every time I attempt to reach out to CashApp, I am met with " We have no information for you '' leaving me no other choice but to file this complaint.
Consumer complaint received 2024-10-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Portfolio Recovery has called me everyday this month ( XX/XX/year> ) as well as sent text messages. They have never given me an amount or told me who they purchased this debt from. They have never verified who I am and if the debt is in fact mine. I've requested legal documentation which I have never received. They call from multiple different phone numbers and sometimes I get multiple calls daily 7 days a week.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (CA)

I am a victim of identity theft, I have no knowledge of these accounts I seen on my XXXX, XXXX and XXXX XXXX submitted claims with the cfpb in regards to these claims, I filed a police report in XXXX and XXXX regarding some of these same accounts. Please help me I am a human trafficking survivor/ Identity Theft Victim. These accounts listed aren't mines, please help me in just now getting on my feet and No one wants to rents to me. Because my score so low and so many derogatory remarks. These accounts are damaging my credibility please help me rectify this situation. 

Lvnv funding ( I never had a credit card in my life ) XXXX XXXX XXXX XXXX XXXXXXXX I never lived in XXXX XXXX I live in XXXX ca. I had to come all the way out here to wait at the location until an XXXX came to do the report.
Consumer complaint received 2020-01-02
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Medical Data Systems, Inc. (GA)

I have received multiple calls at my work regarding this hospital bill. I have spoke to two women now. One told me her name was XXXX and the other refused to disclose her name. On XX/XX/XXXX at XXXX XXXX, I received the call from XXXX. I told her that I didn't give this number out as a contact because it is my place of business. I specifically told her to remove my work number from their list because they have my cell phone number that they can call. It is going to get me in trouble with my Director if they keep calling. She said she would remove the number. The second call on XX/XX/XXXX at XXXX XXXX, I received another call from this same agency. I asked the lady for her name and she refused to give it to me. I had told her that the number she called was supposed to be removed last month and here she was calling it! She was mad and hung up the phone on me. I received another call on XX/XX/XXXX at XXXX XXXX, but no voicemail was left. Today, XX/XX/XXXX, I get into work and my Director said that there was a voicemail for me. Once again this company has called my work number and left a debt collection message on the voicemail! This is absolutely inappropriate to keep harassing me at my place of business when I have asked multiple times to have my work number deleted. I keep a log of the times that they call my work. I just can not find an address that is tied to this company so that I can send them a certified letter to stop calling me. I need to make sure a complaint is filed against this company.
Consumer complaint received 2024-10-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BYL Collection Services (DE)

My name is XXXX XXXX, and I am writing to formally report a violation of my rights by BYL Services XXXX concerning the Fair Debt Collection Practices Act ( FDCPA ) and the Health Insurance Portability and Accountability Act ( HIPAA ). 

In addition to my previous concerns, I want to inform you that my bank account and Social Security Number ( SSN ) have been compromised in a data breach over the last five years. This breach has resulted in unauthorized access to my personal and financial information, making it even more critical for me to protect my rights and ensure that no further unauthorized actions are taken against me. 

I have not authorized BYL Services XXXX to contact me regarding any alleged debts, nor have I provided any information that would permit them to discuss my personal health information. Despite this, I have been subjected to persistent harassment from their representatives. This behavior is not only distressing but also a clear infringement of my rights under the aforementioned laws. 

To resolve this situation, I kindly request the following actions : 1. Validation of Debt : Please provide me with documentation proving that I owe any debt to BYL Services XXXX. This should include a copy of any agreement or payment obligation signed with my wet ink signature. This step is crucial for verifying the legitimacy of their claims. 

2. Cease Communication : Until this matter is resolved, I request that all communication from BYL Services XXXX is halted immediately. Under the FDCPA, I have the right to request that a debt collector stop contacting me. 

3. Investigation of Harassment : I would appreciate your assistance in investigating the nature of the communications I have received from BYL Services XXXX to ensure they comply with the law. 

4. Formal Complaint : If necessary, I would like to file a formal complaint against BYL Services XXXX for their harassment and potential violation of my rights. Please provide guidance on how to proceed with this complaint. 

I appreciate your attention to this matter and look forward to your prompt response. If you require any additional information from me to assist in resolving this issue, please do not hesitate to reach out. 

Thank you for your support. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-06-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

Several disputes have been made with regards to attempting to pay this loan and get it current. Finally, today I was able to speak to XXXX who said that {$19000.00} was due on XXXX XXXX, 2020 in order to reinstate on our loan. She then said she would get a new payoff and we would have to call by XX/XX/2020 to find out the amount and make a payment plan. Rushmore did not mark my credit as disputed and continued to report my account as late. I pulled my credit reports and the balance due is {$7500.00} as of today. On XXXX XXXX, 2020, I sent a certified check in the amount of {$9300.00}. That was returned to me on XXXX XXXX, 2020. How can my balance go from {$7500.00} to {$19000.00}? They are attempting to extort additional money from me and take my home from me.
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. (MD)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
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. (IL)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2020-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AMERICAN EXPRESS COMPANY ()

False information recorded on credit file Company American Express XX/XX/XXXX Debit debit set up via app for minimum payment to be taken on the required payment date XX/XX/XXXX Text message received from American Express to inform me of a late payment. Instantly logged into app to make the minimum payment, dispute previously in XXXX XXXX setting up direct debit. 

XX/XX/XXXX Mortgage applied for, rejected to to late payment published on my credit report. 

XXXX XX/XX/XXXX American Express contacted to request that the late payment is removed from my credit file as it is inaccurate due to direct debit being set up via the app XX/XX/XXXX. American Express initially told me it was impossible to remove this from my credit file, however after being transferred to a manager who set up an enquiry and was told That a decision would be made in 10 working days.

2 weeks later I contacted American Express as I had still received no correspondence from them regarding the issue. American Express have told me that the decision has still not be made and would be a further 10 days. At which point I had stressed it was severely affecting my mortgage application, which furthermore as my career as a XXXX XXXX had detrimentally affects on my lively hood. 

XXXX XX/XX/XXXX I contacted XXXX XXXX, the employee said she could see the error reimbursed my account with the late payment charge also stated that she would file a report and I would hear back in XXXX working days. Me response back was that this had already been dealt with on XXXX occasions in XXXX and that I could not wait any longer. The phone went dead. 

XXXX XX/XX/XXXX second conversation I contacted XXXX XXXX again and explained the situation as the phone had been cut off. He went and asked the XXXX who told him the report had come back and They had declined my request to remove late payment from my credit file. I this point I requested to speak to the XXXX. He said that it had been declined and nothing else could be done, he requested evidence of me setting the direct debit up, which I am unable to provide as it was done via the app. XXXX informed him of this severely effecting my lively hood, offered to send prove of funds though my bank statement although direct debits has been set up, XXXX XXXX have failed to take the direct debit from my account. The payment was received XXXX minutes after after the text had been sent to me informing me of late payment. Offered to send in credit report that states no missed payment of anything in the previous 8 years. Asked to speak to another senior member of staff to be told it would be a further XXXX working days. 

This has major effects on my career, I am currently out of work due to being unable to mortgage any further propertys while the late payment is showing on my life. This has left me unable to support my family financially.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

I've tried on multiple occasions to remove an address from my credit file. I've provided copies of my mailing address, and my physical address. They refuse to update my profile, which is a violation of 15 USC 1681 e b.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I've tried on multiple occasions to remove an address from my credit file. I've provided copies of my mailing address, and my physical address. They refuse to update my profile, which is a violation of 15 USC 1681 e b.
Consumer complaint received 2024-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (SC)

On XX/XX/year> I had informed Sofi Bank that my ATM card was stolen. I filed a police report and emailed them said report to show I was not complicit in the theft. Today I have found that somehow that don't have it which I know to be false, because at least three separate employees told me it was received. Also they told me via email that they can't tell me what they from me to settle my dispute which I find very suspect. How can I prove my side if I don't know what they require?? On XX/XX/year> I resubmitted the Police report. I informed them last week that I wil be filing a complaint with the CFPB on this matter and now all of a sudden the police report is missing. Again, this is very suspect. They refuse to talk to me directly which I think is a frustration tactic to make me give up. You all are my last resort
Consumer complaint received 2024-10-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had two accounts enrolled in national debt relief for outstanding credit card balances through capital one. National debt relief negotiates for you and in my dashboard through them both capital one balances appeared. It is now years later and I am done with the program and I had just assumed the capital one balances were combined and resolved. Now the smaller balance is in collections and is late as of XX/XX/year>. The collections agency has never once called me or mailed me one notice regarding this outstanding debt. How am I to pay something I had absolutely no knowledge of, it wasnt even on my credit report till last month. The collection agency is XXXX their contact number is ( XXXX ) XXXX
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX I sent a certified letter requesting validation for an account on my credit report. As of XX/XX/XXXX I have not received the any updated information and my credit report remains the same. Here is the letter I sent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Validation of Account XXXX XXXX XXXX XXXX Account Number XXXX / XXXX Dear Sir/Madam, I am writing to formally request validation and verification of the following account, as reported on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., I am disputing the accuracy and completeness of the information regarding this account : Account Name : XXXX XXXX XXXX  Account Number : XXXX ( XXXX ) Date XXXX : XX/XX/XXXX ( XXXX ) Balance : {$1800.00} ( XXXX ) Payment Status : 90 Days Late ( XXXX ) Legal XXXX for Dispute : Under the FCRA, credit XXXX agencies are required to maintain and report accurate and verifiable information. Specifically : 15 U.S.C. 1681i : This section mandates that the credit reporting agency must conduct a reasonable investigation to verify the disputed information. If the information can not be verified, it must be removed.

15 U.S.C. 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported. 
Please provide me with the following information : 1. Validation of the debt, including original creditor and detailed accounting of how the balance was calculated.

2. Copies of any documentation that proves this account and its terms are valid and accurate.

3. The procedures used to verify the disputed account and how it was determined to be accurate. 
If you are unable to provide the requested validation, I respectfully request that this account be corrected or removed from my credit file. 
In accordance with the FCRA, you are required to complete this investigation within 30 days. Please confirm in writing the results of your investigation and any changes made to my credit report. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX, XXXX, XX/XX/XXXX
Consumer complaint received 2022-09-19
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: Experian Information Solutions Inc. (AL)

In accordance with Fair Credit Reporting Act 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 an account without my written instructions
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

On numerous occassions I have disputed the account XXXX XXXX XXXX Account number : XXXX. You keep reporting inaccurate information on this account. I can prove in the court of law that you are reporting incorrect information on this account. Because of the constant dispute of this tradeline and you ignoring the Federal Credit Reporting Act that only accurate information be reported on my credit file, for the VERY LAST TIME, I need you to do your job and either correct this information or delete it for inaccuracy. I will not be disputing this account again after this complaint as I will be filing for in court for violations of the Federal Credit Reporting Act and asking for damages for for willful and negligent violations. By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and if not corrected removed from my report. It is my understanding that you will recheck this item with the creditor who has posted it. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. I have attached a copy of my Passport and Social Security card for identification purposes.
Consumer complaint received 2024-10-01
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.
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. (FL)

DELETED XXXX XXXX XXXX FRAUDULENT ACCOUNT! And XXXX 15 USC 1666b late payments. 
I am giving Experian, XXXX and XXXX the opportunity to correct this mistake. Experian, XXXX and XXXX are in violations of violations of Fair Credit Reporting Act ( CFRA ) ,15 U.S. Code 1681i. A national bank has no power to lend its credit to any person or corporation... Bowen v. Needles Nat. Bank, 94 F 925 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637. Fraud vitiates the most solemn contracts, documents and even judgments [ U.S. vs. Throckmorton, 98 us 61, at pg.65 ]. It would be unjust to allow one who made false representations to retain the fruits of a bargain induced by such representations. Whipp v. Iverson, 43 Wis 2d 166. False or misleading. I suffered damages as a result of Experian, XXXX and XXXX misrepresentation. As a result of Experian, XXXX and XXXX violations of Fair Credit Reporting Act ( CFRA ). Please make necessary corrections to my credit report ASAP. See -U.S. Constitution, 1789, Article 1, Section 10. No state shall ... make anything but gold and silver coin a tender in payment of debts ... 1692K Civil liability. Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability with respect to any failure to make disclosures. 15 U.S.C. 1611 - Criminal liability for willful and knowing violation. 

Please correct inaccurate data from my credit report as soon as possible. Please make the necessary corrections to my credit report as soon as possible. I have suffered damages as a result of the misrepresentation. As a result of Experian, XXXX and XXXX in violations of ( CFRA ). 

I did not authorize them and you want them DELETED. 15 USC 1601 hard inquiries. Delete Fraudulent, 15 USC 1601 hard inquiries. 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 and XXXX XXXX. NON working address XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-01
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. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.