davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-09
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)

I was a victim of identity theft, I have made two reports in the FTC department notifying each of the credit agencies XXXX, EQUIFAX, XXXX, sending all my information about the accounts that do not belong to me, my identity and the number report that the FTC agency provided me, refusing to remove them from my cut in each of these bureaus, also request each of these creditors to send me a proof of the contract signed by me in each of the accounts that They are reporting in my credit report through certified mail which certifies that they received it, which was not answered by any of them, then I opened a new dispute request to each of the bureaus, add the proof of my request test by these creditors who never responded, receiving the same response that they had already verified the accounts and that the accounts were still in my credit report, taking this a process of more than 6 months having an erroneous result since these accounts They do not belong to me and these agencies are not doing the proper verification and violating my fair credit rights as established by law. The accounts in dispute and that have not complied with the correct verification are the following XXXX XXXX XXXX # XXXX BALANCE {$2400.00} XXXX XXXX # XXXX. BALANCE {$3500.00} XXXX XXXX XXXXXXXX # XXXX. BALANCE {$4900.00} XXXX XXXX XXXX # XXXX. BALANCE {$11000.00} XXXX XXXX # XXXX BALANCE {$9300.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$11000.00} EQUIFAX XXXX XXXX XXXX # XXXX BALANCE {$7300.00} XXXX XXXX # XXXX BALANCE {$2400.00}. XXXX XXXX # XXXX. BALANCE {$3500.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$11000.00} XXXX XXXX XXXX # XXXX BALANCE {$2400.00} XXXX XXXX # XXXX. BALANCE {$3500.00} XXXX XXXX  XXXX # XXXX. BALANCE {$11000.00} XXXX XXXX  XXXX # XXXX. BALANCE {$4900.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$16000.00} XXXX XXXX XXXX XXXXXXXX # XXXX. BALANCE {$15000.00} XXXX XXXX XXXX XXXX # XXXX. BALANCE {$16000.00} XXXX XXXX XXXX  XXXX # XXXX. BALANCE {$15000.00} XXXX XXXX XXXX  XXXX # XXXX. BALANCE {$16000.00} I have complied with all the requirements and regulations to identify that these accounts are not mine, my right to remove them is being violated and these agencies are not doing the verification well since all these accounts do not present accuracy in any of the bureaus and additionally I was not I am the one who opened them, not even the creditors have presented the proof that these accounts belong to me, I ask you to intervene as the agency that regulates these bureaus since it is a process that they do not want to take measures to correct this thank you
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX with new & updated information about my recent complaint XXXX. Equifax failed to remove the following XXXX inquiries in XXXX business days pursuant to 15 USC 1681c-2.
Consumer complaint received 2024-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc. (IN)

In consequence of your company 's acquisition of debt from XXXX, conducted without my explicit consent, and subsequent actions comprising the procurement, examination, and dissemination of said alleged debt on my consumer report spanning from XX/XX/year>, through XX/XX/year>, I wish to proffer a settlement offer. 
I express gratitude for the removal of the aforementioned said alleged debt from my consumers report, initially reported from XX/XX/year>, through XX/XX/year>, as evidenced in the attached Exhibit A, Exhibits A-1, Exhibit C, and Exhibits C-1. In light of these events, I am writing to extend a settlement offer concerning the multitude of infractions against the Fair Debt Collection Practices Act ( FDCPA ), the Gramm-Leach-Bliley Act ( GLBA ), and instances of identity theft precipitated by your unauthorized procurement and dissemination of an alleged debt to credit agencies, lacking my explicit consent ( see Exhibit A, Exhibits A-1, Exhibit C, and Exhibits C-1 ). 

( SEE ATTACHED DOCUMENTATION )
Consumer complaint received 2024-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (TX)

I received a collection notice from OnLine Information Service regarding a delinquent account in the amount of {$840.00} From XXXX XXXX XXXX. I have never used this company and have lived at my current address since 1990. 

The address of the service is XXXX XXXX XXXX XXXX, XXXX, TX XXXX. The account number is XXXX. I have contacted On Line Information Services and they will remove my name.
Consumer complaint received 2024-06-21
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. (CA)

INQUIRIES UNKNOW 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 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX They have my address as XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX I have never lived in Arizona.
Consumer complaint received 2024-02-17
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (TX)

I filed a complaint which was not properly addressed, you will see that my complaint was not properly responded to and the merchant stated delivery was confirmed on days prior to XXXX communicating failed delivery attempts to me, this was added previously along with direct communication from Rooms To Go stating that I was not to be charged until I received what I paid for, Synchrony has backtracked from their original reason for denial which was a signed delivery slip to now using delivery confirmation which was provided prior to XXXX stating I was not available for delivery, I would also like to add they closed my previous account for frauf when I never reported which has wiped all previous communications with them on this matter and I believe this to be intentional, I now need Synchrony to explain as this directly contradicts their reason for denial, I would like XXXX XXXX to explain to me how you are denying a dispute stating that I received items on these days when each tracking number associated with the items shows I was either " unavailable '' for delivery or " unable to be contacted '', according to your policy I am not to be charged until furniture is accepted into my home which it never was and according to XXXX i was unavailable for delivery after the dates which you are claiming delivery was confirmed and this is clearly communicated by XXXX so please explain how you can negate this information? You state the merchant has provided documentation showing this was delivered on these dates and I have provided documentation showing that it was not which is after the confirmation you are using to deny my dispute, I would like to remind you your policy specifically states, I will not be charged until I have accepted merchandise into my own home, I expect a full response.
Consumer complaint received 2024-02-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Stellantis Financial Services US Corp. (TX)

The auto was refinanced with another lender and the loan with Stellantis was paid by the new lender. The 10 day payoff provided by Stellantis was incorrect as the new lender payoff sent was overpaid by {$210.00}. I have called three times on the status of the check. Stellantis keeps saying the check is effectively in the mail. I was told that the check was sent on XXXX XXXX, 2024. They have not given any other information on the status of the refund. They have said that they would be sending a new check as the first did not reach us BUT haven't told when the new refund would be sent nor have they contacted me to update the status of the return of funds. I call on XXXX XXXX, 2024 and spoke with XXXX, he said the check was sent. I called on XX/XX/year> and spoke with XXXX XXXX, said would send a new check. I called on XX/XX/year> and spoke with XXXX XXXX who told me the same as XXXX XXXX. None have given me the sent date of any new check. Stellantis is refusing to return the overpayment on this loan. They have made no efforts to contact me on the payback and I have to call multiple times and ask where for the return of funds.
Consumer complaint received 2024-02-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Financial Resources, Inc. (MA)

Hello FFR ; CFPB : I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2023-05-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (NC)

Collection Reported by ABILITY RECOVERY SER Date : XX/XX/2023 Amount : {$640.00} Agency Address : XXXX XXXX XXXXXXXX XXXX, PA XXXX Agency Phone : XXXX
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldn't be on my credit/consumer report. 
XXXX  XXXX Bankruptcy Case NumbeXXXX : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 
3. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX-XXXX  Account Number : XXXX Please remove it from my credit report. 
6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I instantly called your department the moment I received the copy of my report that I purchased with XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

XXXX XXXX
Consumer complaint received 2024-02-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Financial Resources, Inc. (FL)

Hi XXXX ; This is a XXXX violations and i'm not aware of this XXXX XXXX ; i have no knowledge of this company nor the balance or it's original creditor mentioned. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2024-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (MI)

To Whom It May Concern, I have attached documentation from my tax returns for the years XXXX through XXXX, demonstrating that I was not residing at the address using the utility service in XXXX, Ohio, nor have I ever resided there. Additionally, I have included copies of my identification cards over the years, along with my current identification card, further proving that I was not at that residence and did not use the utility service. This situation constitutes fraud, and charges have already been filed.
Consumer complaint received 2024-07-08
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: CITIBANK, N.A. (FL)

I noticed unanthorized inquiries on my credit report that I would like removed include the following # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX # XXXX Macys/CBNA XXXX XX/XX/XXXX # XXXX XXXX on XX/XX/XXXX according to the FCRA, these unverified and unauthorized items must be removed.
Consumer complaint received 2023-07-18
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. (IA)

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-04-29
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. (TX)

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent inquiries in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXXXXXX XXXX XXXX inquiry date XX/XX/23 XXXX XXXX XXXX inquiry date XX/XX/23 XXXX XXXX inquiry date XX/XX/23 XXXX XXXX inquiry date XX/XX/23 XXXX XXXX XXXX inquiry date XX/XX/23
Consumer complaint received 2024-02-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2024 I made a payment in advance as per the financial relief plan I signed with AMEX. CFPB case XXXX about {$320.00} demanded twice by American Express despite me paying them in advance. On XXXX XX/XX/2024, the American Express automatic payment was triggered again causing over draw on my account. I have opened a case with XXXX XXXX about this. I tried to talk to AMEX requesting them to stop the ACH debit from their end after I received a notification. However, they refused to do so and said I need to wait until the charge goes through and then they will refund the payment I already made on XX/XX/2024. They indicated that I must call them to prevent auto payment after making a payment. This is unfortunate, I am already making the required payment before schedule and they indicate that it is extra payment I am making if I don't indicate them 48 hours in advance. I need to purchase food using the wellsfargo account and this overdraw is causing distress because, I am borrowing to make payment. 

I have to pay other credit card from XXXX XXXX XXXX and have various expenses that must be taken care of. This overdraw is a burden and I can not fulfill this if I have to proceed with my business and personal life. I request American Express to immediately stop the ACH and prevent overdraw on my wellsfargo account in future. 

This incident is causing delay with my other legal proceedings related to business and personal life. I will not be able to fulfill the overdraw on wellsfargo considering other expenses. 

American Express case details CFPB Ref No : XXXX Ref : XXXX XXXX I have opened a claim with XXXX claim # XXXX While I called XXXX they provided a different claim number over phone ( XXXX ) but my email shows above claim number. This seems to be an attempt to trick me and justify that they weren't able to stop the automatic ACH they triggered while I was attempting to file on federal case XXXX, Federal 9th circuit appeals XXXX XXXX This kind of interference in my life is unfortunate by banks and other parties involved.
Consumer complaint received 2023-04-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (CA)

After receiving a call from a company called Phoenix Financial Services stating that I owed their company {$980.00}. I asked the company to verify the debt. They sent me documents that could have easily been made up on a word document. They sent me on XX/XX/2023 verification documents which did not include any signed contracts or any detailed information about the services provided. I have never done business with Phoenix Financial Services or with their client XXXX XXXX XXXX. If I had medical work done why don't they have medical records to proof the debt. This collection company never sent me an initial demand letter. Further they have not proven within 30 days of my demand for verification that the debt is owed by me. One paper says original creditor is XXXX XXXX XXXX XXXX XXXX but then all verification comes from XXXX XXXX XXXX. How does Phoenix Financial Services have the right to to collect this for XXXX XXXX XXXX when XXXX XXXX XXXX XXXX XXXX is said original creditor. XXXX XXXX is not licensed in California to be a debt collector and do not have an active license with XXXX. This is no my debt I at no time was ever seen by of these corporations and I would like to see signed HIPPA releases from me allowing any potential medical records to be allowed to be shared with these third party by XXXX XXXX XXXX XXXX XXXX