davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants and Medical Credit Corporation, Inc. (MI)

To : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX Subject : Formal Complaint against Merchants & Medical Credit Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Merchants & Medical Credit for egregious violations of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that Merchants & Medical Credit placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt. 

I hereby declare my revocation of all communication channels with Merchants & Medical Credit, including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 
In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that Merchants & Medical Credit provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If Merchants & Medical Credit is unable to produce this documentation, I demand the immediate deletion of the account from my credit report.

The date on my consumer report indicating that I opened an account with Merchants & Medical Credit is blatantly false. I neither received any services or products from Merchants & Medical Credit nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights.

Moreover, it has come to my attention that Merchants & Medical Credit is not licensed or bonded to collect debt in my jurisdiction. This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution.

The actions of Merchants & Medical Credit constitute clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ), and 15 USC 1681-s 2 ( 7 ) ( A ). I am formally demanding the swift deletion of this collection from my credit report, and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions.

Please keep me informed about the progress of this complaint, and want to thank you for your time! 
Sincerely, XXXX XXXX
Consumer complaint received 2024-02-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates (MI)

To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, lowa XXXX Subject : Formal Complaint against L J Ross Associates, INC Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against L J Ross Associates, INC for egregious violations of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that L J Ross Associates, INC placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt.

I hereby declare my revocation of all communication channels with L J Ross Associates, INC, including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 
In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that L J Ross Associates, INC provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If L J Ross Associates, INC is unable to produce this documentation, I demand the immediate deletion of the account from my credit report.

The date on my consumer report indicating that I opened an account with L J Ross Associates, INC is blatantly false. I neither received any services or products from L J Ross Associates, INC nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights.

Moreover, it has come to my attention that L J Ross Associates, INC is not licensed or bonded to collect debt in my jurisdiction. This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution.

The actions of L J Ross Associates, INC constitute clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ), and 15 USC 1681-s 2 ( 7 ) ( A ). I am formally demanding the swift deletion of this collection from my credit report, and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions.

Please keep me informed about the progress of this complaint, and want to thank you for your time! 
Sincerely, XXXX XXXX
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these accounts be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.
Consumer complaint received 2024-01-10
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. (MO)

EXPERIAN is still working on another complaint well what about all these tat you said you still working on and all the ones you closed, THERE ALL THE SAME WHICH IS EXPERIAN NOW HAS STOLEN ALMOST 20 MONTHS OF ON TIME NEVER LATE PAYMENT HISTORY TO XXXX  AND REFUSE TO GIVE THEM BACK
Consumer complaint received 2023-03-16
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. (KS)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX, KS XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ; XXXX XXXX XXXXXXXX XXXX, KS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, KS XXXX ; XXXX XXXX, KS XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-02-07
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)

Around XX/XX/2023 I reached out to Equifax regarding an address change. After speaking with them, changes were made to my account, causing my score to drop over XXXX points. Most of the items that were showing were unable to be disputed as once I would go to the dispute center those items weren't on my report, yet they were impacting my score. I have made numerous calls, closed my online account and opened a new one and this has not been resolved. There is nothing I can see on my report that would lower my score to what is showing. Whenever I call I get someone in another country reading a script who is unable to resolve my issue and only transfer me from person to person with no resolution. Cases have been created with no follow-up and no resolution.
Consumer complaint received 2023-12-30
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. (MD)

Under 15 usc 1689 exclusion person making the report of the consumer unknown information under federal law experience XXXX and XXXX exclusive transactions between consumer and person making the report noncompliance
Consumer complaint received 2023-12-31
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. (CA)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete any and all illegal accounts from my credit reports.
Consumer complaint received 2024-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Specialized Loan Servicing Holdings LLC (OH)

you allowed these XXXX XXXX  to drag their feet for XXXX years after a pandemic when they offered me a forbearance when I was current on my mortgage. they lied to me over and over telling me that we were going XXXX offered to do a loan modification the whole time trying to steal my home and I complained about this in XXXX and you did nothing so I have secured a {$25000.00} grant from Ohio, save the dream and I have the balance. to take care of the redemption process they have added a bunch of non-applicable illegal fees, and have refused to respond to me so I can get this done. This company should be held responsible for the kind of business practices that they do. Even the Attorney General is appalled doing this to a family after a pandemic. I will take these people to court. If this continues I need help from your agency!!!!?
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX 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 2023-12-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

On XX/XX/XXXX I went to my XXXX XXXX XXXXXXXX bill pay page to send a XXXX day financial gift to my son XXXX XXXX. I had often sent such a gift through XXXX XXXX XXXX to his XXXX XXXX account. This time instead of seeing his name listed under recipients I only saw " son. XXXX XXXX. '' No name - no account number. This was too vague and so I went to Zelle. I felt this was a newer service now being promoted by XXXX  XXXX XXXX so I went to their site. I started to fill out information but when asked for numbers on accounts I needed to check the cards and in moving to retrieve the cards the page clicked off on my tablet and I was not able to complete the transaction. I never gave information finally or approved the transaction to close. I still needed to send the gift so I called Zelle customer services to complete the transaction. Following instructions from someone purporting to be a Zelle agent I tried to complete the transaction. Too long on the phone, too many convolutions- including sending money back to myself and trying to verify my identity with requests to go to bitcoin and provide credit card info - I became suspicious, frightened and stopped communicating. 

I have been a " preferred customer '' of XXXX XXXX XXXX for almost XXXX years. I have trusted them and they have never violated that trust that I know. I went to Zelle only because they were posted on the XXXX XXXX XXXXXXXX site and based on the trust engendered by years with XXXX XXXX  XXXX. If I was " tricked '' into a scam I still believe the money- which was taken but never sent to my son- should be refunded to my account. Zelle is positioned prominently on the XXXX XXXXXXXX XXXX bill pay site and now I come to find out that XXXX XXXX XXXX owns Zelle and this kind of scam is known to the bank and on the rise. 

I am a law abiding person, an innocent and perhaps naive person, but I am not schooled in the ways of criminals and thieves. I put my trust for stable financial transactions in the hands of the bank and the government. I expect some level of protection from such illegal actions or at least some level of accountability on the part of agencies whose business deals with these challenges. I don't know scams nor do I have a cadre of experts engaged to root out such transgressions. I need honesty and fair play here - I am a widow trying to send a XXXX gift to her XXXX child - accountability is not too much to ask in the spirit of this season. Refund the money, please.
Consumer complaint received 2024-01-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

LVNV FUNDING LLC {$690.00} XX/XX/2022 THESE NOT MY ACCOUNT I HAVE NO KNOWLEDGE OF THESE ACCOUNT NOR DID I AUTHORIZE ANYONE TO OPEN THESE ACCOUNT IN MY NAME. THESE CREDITORS ARE VIOLATED SO MANY OF MY RIGHTS AND I WILL LIKE THESES ITEMS REMOVED OR I WILL HAVE TO SUE THESE COMPANIES FOR EXPOSING MY PERSONAL INFORMATION. I NEVER SIGNED ANY CONTRACT WITH THIS COMPANY. PLEASE PROVIDE ME WITH A CONTRACT WITH MY WET SIGNATURE. 

In accordance with the Fair Credit Reporting dct. 
The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
LVNV FUNDING 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 accordance with the written my instructions
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (OR)

Received adverse letter. Submitted for copy of credit report as required by law. Each time requested, sent letter saying they didn't receive information. 

I did not authorize this company to provide my information to anyone or any company. 

This company sends our credit report out with erroneous information on it and refuses to provide us a copy of the report. We have no way to review and/or dispute bad information. 

I Uploaded docs verifying my identity and still received the letter saying can not be verified. 60 minute plus hold to speak to this company. 

Went on website and requested again for my credit report, they send email saying request received and nothing. 

This has been ongoing since XX/XX/2023. 

They have to provide a copy of my credit file to allow me the chance to review and correct anything not correct to be in compliance with the Fair Credit Reporting Act. They are not. 

I have been given the run around even after submitting documents as required. 
No other credit bureau requires any documents to request a copy of the credit file that belongs to me. That is my right to receive it. 

I have ever heard of this company until XX/XX/2023 and received an adverse report. 

I want my credit report. The bureaucratic red tape by this conglomerate that holds my personal information is not operating within the guides of the FCRA.
Consumer complaint received 2024-01-05
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: MoneySpot USA LLC DBA Sunshine Loans (TX)

In accordance with the Privacy Act, the Fair Debt Collection Practices Act, along with 15 USC Subchapter V Debt Collection Practices this is a friendly reminder and warning to be cautious of violating my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1692, 15 U.S.C. 1692b, 15 U.S.C. 1692c, 15 U.S.C. 1692d, and 15 U.S.C. 1692j.

The Privacy Act of 1974 provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information
Consumer complaint received 2020-09-12
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (OH)

www.lvnvfunding.com Is a collection agency and agreed to a ( XX/XX/2018 ) XXXX monthly payment since they took over the charge off. ( from a predatory company online. ) I had to take this loan out due to being off work for XXXX At that time they agreed to {$100.00} a month payment with it being electronically Taken every month for approximately 2 years. They are reporting it late every month though the agreement was made, never late. It is reporting that no payments are being made and that I am late every which is a lie. 
I also contacted the company and they state they dont report anything to the agencies just when its paid off that is again not true.
Consumer complaint received 2024-01-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

I have been complaining about this exact issue since XX/XX/XXXX  with no valid proof received for the method of verification by the credit reporting agencies. The last contact I had with Credit Collection Service is a vague list of random transactions with no descriptions, no proof of my ownership of the said debt and no evidence of my wet signature or anything indicating what or who these charges were made for. I dont know who authorized these charges or what exactly the charges were for. 

They continue negatively reporting for a debt collection that they clearly dont actually own or know about since no valid proof has been provided to me despite my efforts to receive this information. Im asking for valid undeniable evidence on what this debt was authorized for and by whom.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (GA)

The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 effective immediately and indefinitely concerning the account in question below. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (NC)

I sent certified letter Notice of Dispute Demand for validation and proof of claim. I gave the company 30 days to provide information. They failed to provide the correct information. They have multiple account that I have requested information from and they failed to provide any information for any of them.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (IN)

I am a victim of identity theft and have enclosed a copy of my identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.