davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

LVNV Funding, LLC is inaccurately reporting a fraudulent account on my credit report. Despite my repeated attempts to dispute this with XXXX XXXX XXXX XXXX XXXX XXXX  ), LVNV Funding, LLC has persisted in reporting the fraudulent account. The billing statement address provided by LVNV Funding, LLC was obtained fraudulently using my personal information. 

I have attached documentation showing that LVNV Funding, LLC acquired a fraudulent account, and yet they have refused to remove it from my credit report. Even after providing police reports and investigation letters from XXXX, clearly indicating that the address associated with the credit card in question was fraudulent, LVNV Funding, LLC has failed to take appropriate action.

It is imperative that LVNV Funding, LLC rectifies this error and removes the fraudulent account from my credit report immediately. I have taken all necessary steps to dispute and prove the fraudulent nature of this account, and it is unacceptable that it continues to impact my credit score.

I urge LVNV Funding, LLC to take swift action to correct this issue and restore the accuracy of my credit report. Failure to do so may result in further action being taken to ensure that my credit history is not unfairly affected by this fraudulent account. 

Thank you for your attention to this matter. 

Sincerely,
Consumer complaint received 2023-11-16
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. (MO)

I'm contacting you because I found information that is inaccurate on my credit report. I do not believe these accounts were paid late. In accordance to the Fair Credit Report Act this creditor has violated my rights.15 USC 1681 Sec 602 States I have right to privacy. 15 USC 1681 604 ( A ) Sec 2 States a consumer reporting agency can't furnish an account without my written instruction.

15 USC1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-15
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. (VA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Amsher Collection Services, Inc. (TX)

I have contacted the company twice, once in XX/XX/2024 and again in XX/XX/2024, requesting documentation that verifies the account in question belongs to me. Despite these requests, the company has failed to provide any proof.

I currently have an open and active account with XXXX. However, the company claims that I have an account in collections. When I contacted XXXX directly, they informed me that there are no outstanding issues or collections associated with my active account.

I am requesting that the company provide clear documentation proving that this alleged collections account is legitimately mine. Alternatively, if this is an error, I request that the company correct it immediately and cease reporting this erroneous collections account.
Consumer complaint received 2023-11-15
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. (LA)

This is my repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : 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  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX XXXX
Consumer complaint received 2023-11-15
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. (AZ)

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2023-09-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CarMax, Inc. (CA)

Carmax is reporting a debt to my credit that I dont owe and obviously a result of identity theft. I have never done business with this company. Due to the significant amount of identity, I had to recently get a court order for a new social security number. So my current social security number is considered dead.
Consumer complaint received 2023-11-15
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)

I hope this letter finds you well. I am writing to formally file a complaint concerning the presence of fraudulent items associated with my account/profile. It has come to my attention that unauthorized and fraudulent items are currently associated with my account, and I am deeply concerned about the potential impact on my financial and personal well-being. 

The fraudulent items in question include [ provide a detailed description of the fraudulent items, such as unauthorized transactions, false information. Enclosed with this letter, you will find supporting documentation to substantiate the validity of my complaint. 

I would like to express my disappointment and concern regarding the following matters : It has come to my attention that unauthorized transactions [ or other specific fraudulent activities ] have occurred on my account. This not only poses a serious threat to my financial security but also raises questions about the integrity of your platform/system. 

The presence of these fraudulent items suggests a potential security breach, and I am deeply troubled by the possibility that my personal information may have been compromised. I request a thorough investigation into how this breach occurred to prevent future incidents and to protect the security of all users. 

Given the sensitive nature of this matter, I expect a swift and effective resolution to remove the fraudulent items from my account. Timely action is crucial in mitigating any further damage and restoring my confidence in your platform. 

I understand that your company takes matters of fraud seriously, and I trust that you will handle this complaint with the urgency and diligence it deserves. I kindly request regular updates on the progress of the investigation and the actions being taken to address this issue. I am asking for your assistance to remove the following fraud items : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-03-23
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. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-11-16
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. (DE)

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 2023-11-15
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. (OH)

In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 section 602 A. States I have the right to privacy.

15 usc 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 usc 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 usc 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX They have violated my rights
Consumer complaint received 2024-04-12
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: EQUIFAX, INC. (DE)

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. Whos studying XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 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 it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2023-11-15
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. (OH)

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company (IL)

Client works for XXXX and has a very high deductible plan. 
She suffered an accident at work on XX/XX/year> and her employer took her to an XXXX XXXX, which left her with a {$2400.00} bill after the deductible was met. 
Client does not believe she should be paying this, since this was a work accident, and she had very little to no knowledge to where they were taking her. 
Client is farily knew to the country and barely speaks XXXX, think they are trying to take advantge of her. 

The XXXX branch she used to work for is closed, and her current HR claims they can not do anything since this all happened at a different locations and the system does not have any of this information saved. 
Client came in for financial counseling and she is barely making ends meet, and can not afford to negotiate with the collections agency. 
Client is also XXXX and has no prospects of working at a second job
Consumer complaint received 2024-02-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MI)

I was in XXXX XXXX XXXX XXXX during that time somebody hacked my account, got money from friends of nine, spent money that was mine, they did just about anything they could to get money into that acct
Consumer complaint received 2023-02-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-11-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (NC)

I am on an income-driven repayment plan for my federal loans. When repayment started, my first monthly statement specified a payment amount of {$96.00}. I paid {$140.00}. 

My second monthly statement specified a minimum payment of {$220.00}. 

Meanwhile, even after paying the {$140.00} ( which was an overpayment ), my total loan balance went up by {$450.00} from {$130000.00} to {$130000.00}. 

I called and spoke to someone in XXXX, and that person indicated that Advantage would send me a letter explaining everything. That letter never arrived. 

No one at Aidvantage can tell me : ( 1 ) why my monthly payment is changing, ( 2 ) how my monthly payment is calculated, or ( 3 ) why making my monthly payment still results in my balance increasing.
Consumer complaint received 2024-05-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (GA)

Received a phone from XXXX saying that there was a complaint filed against me. Phone call was transferred to a XXXX XXXX XXXX of XXXX XXXX XXXX in California saying that I owed about a {$1000.00} i a past due credit card charges. The card was issued by Chase Bank. 
I settled a card that I had with Chase in 2018 in the full amount I really don't know anything about this one. 
XXXX XXXX wanted {$150.00} now or he would take court action. He said call him at XXXX to let him know my intentions. 
When calling both numbers using XXXX, the calls would not go through. 
I was threatened with a lien placed against my car loan, and other possibilities. 
I don't know if this a scam or not but I have until the XXXX of XXXX to respond back.
Consumer complaint received 2024-05-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FIRST NATIONAL BANK OF OMAHA (NY)

I could not find the phone number to reach this company. 

I did not give consent to anybody to use my Social Security number or any of my personal information to apply for any type of credit. This is fraudulent and Im filing this complaint so the company can be made aware as well as the inquiry on my credit report gets removed being that I did not authorize anybody to run my credit. Also, please provide any documentation that was used to obtain or apply for this account as well. I was made aware yesterday when I was notified by XXXX. Thank you
Consumer complaint received 2023-11-15
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: Experian Information Solutions Inc. (CA)

I am writing to file a formal complaint regarding multiple unauthorized hard inquiries on my credit report, which I believe are the result of identity theft. This issue has unjustly affected my credit score and has caused me significant distress. 

Recently, I discovered that several hard inquiries were made under my name without my consent or knowledge. These inquiries, listed below, do not correspond to any credit application or financial activity that I have initiated. The following hard inquiries are unauthorized : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX. 

I kindly request your urgent assistance in removing these unauthorized hard inquiries from my credit report as soon as possible. The presence of these inquiries not only misrepresents my financial behavior but also significantly impacts my creditworthiness. 

Enclosed with this letter are copies of documents supporting my claim, including the Identity theft report, and a detailed list of the unauthorized inquiries. 

I appreciate your prompt attention to this serious matter and look forward to your assistance in resolving it.
Consumer complaint received 2024-05-13
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc. (GA)

This company still reporting inaccurate information on my XXXX XXXX consumer credit report. I don't have any contract with this collection agency " Professional Debt Mediation, As per FCRA guidelines reporting 6 years ignore my dispute this account in my consumer credit report is a collection activity. therefore, you are in violation under XXXX XXXX XXXX XXXX  Collection of extensions of credit Under ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the non-repayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. Your continued derogatory reporting of this alleged account in my credit report is a form of punishment and hurts my chances of improving my living situation. CORRECT THIS REPORTING IMMEDIATELY. DELETE this account from my credit report.
Consumer complaint received 2023-11-15
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. (FL)

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.