davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (VA)

I received a certified letter from Jormandy , LLC dated XX/XX/2023 stating that they were collecting a debt for {$1000.00} for a cell phone lease purchase from XXXX XXXX that was made in my previous name, XXXX XXXX. I have never heard of this business and did not make this purchase or authorize it. Previously I have notified that my personal data was collected in several data breaches, including XXXX. 
I responded to Jormandy , LLC that I was a victim of identity theft and was not responsible for this debt, informed Jormandy , LLC that I was disputing the debt, and requested the name and address of the original creditor. I received a letter dated XX/XX/2023 and copy of a lease agreement for a cell phone lease purchase made in my name from XXXX XXXX, XXXX. The person who made the purchase gave my name, the last four digits of my social security number, and an email address with my former name as part of it. This is not an email address I created, used, or was aware existed. 
On XX/XX/2023 I sent a letter to Jormandy , LLC certified mail. They signed for the letter on XX/XX/2023. Included with the letter was proof of my identity in the form of a copy of my Virginia drivers license along with a copy of an FTC Identity Theft Report I had filed about the identity theft and unauthorized lease purchase. At that time I requested proof that I owed the debt in the form of an application, account statements and/or invoices, records of payments and charge slips, delivery addresses associted with the account, records of phone numbers used to activate or access the account, and an investigator 's report. To date Jormandy , LLC has not provided this information. 
On XX/XX/202 Jormandy , LLC sent a letter stating they had never received the copy of my drivers license or police report. They signed that they received a copy of my drivers license and FTC report on XX/XX/XXXX. 
On XX/XX/2023 I sent another certified letter, which they signed for on XX/XX/XXXX, and included a copy of the receipt they signed when they received the package with information on XX/XX/XXXX, along with a copy of my previous letter and reiterated that this was a case of identity theft, I did not owe the money, and requested they stop all collections activity. 
Next communication was a letter from Jormandy , LLC dated XX/XX/2023 stated that they are attempting to collect the debt. 
I feel I've exhausted what I can do. Jormandy , LLC can not provide proof as I did not make this purchase as I did not make it. There was no credit check made that I can find, and I believe they will keep harassing me to try to make me pay so they leave me alone. I do not owe this debt and will not pay it. I do not want this to affect my credit.
Consumer complaint received 2023-01-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (NY)

LVNV FUNDING LLC/ XXXX XXXX XXXX  XXXX XXXX / $ XXXX XX/XX/2022 - No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 


In accordance with the fair credit reporting act these companies ( accounts ) have 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 : also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2023-10-06
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. (PA)

I have received an updated copy of my credit report today and Im just disappointed to see the same unfamiliar accounts entered on my file. It seems that someone has been using my identity without my knowledge and I believe that I have raised this concern from your department before and until now I haven't received any correspondence from your end.

Please be advised that I never authorized anyone to make any changes or furnish inaccurate details on my credit report. I dont want to tolerate any fraudulent actions or activities like this as it may harm my reputation as a consumer. I want you to immediately remove these unidentified accounts from the list : 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 I would appreciate receiving another updated copy of my credit report without these unfamiliar accounts from my files.
Consumer complaint received 2022-08-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I was in a forbearance plan XXXX while continuing to make payments. XXXX was not crediting my account for my payments. XXXX then moved forward to place me in a modification that escalated from {$130000.00} to XXXX costing an additional {$10000.00} and increasing my monthly loan payment an additional {$1000.00}. I have reached out to XXXX for explanation for the increase without resolve.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

On XXXX XXXX XXXX I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14,1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2024-03-13
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. (CT)

I contacted EXPERIAN to dispute this unauthorized inquiry that got recorded on XXXX.2023 reported by XXXX XXXX XXXX XXXX XXXX. This was not unauthorized by me as I do not recognize the product nor is it an active product on my consumer file. I am taking this complaint to the CFPB for remedy pursuant to 15 USC 1681 ( b ) ( permissible purposes of consumer reports ) to enforce the law. I am also attaching my documentation to this claim. They usually use stall tactics to say they need more time to investigate, and they are still reporting false and misleading information. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), they are required by federal law to verify through physical verification of a signed consumer contract which they have failed to do so. I am seeking the removal of this inaccurate inquiry reporting in my consumer report. My report must only show accurate information at all times. Per the Privacy Act of 1974 I do not know where they got this information from to report without my written permission nor consent.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2022-07-29
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: MOHELA (OH)

I made a call to what I thought was my student loan lender of XXXX, it however ended up not being the true XXXX. The customer service provider attained my social security number and tried to " sell '' me a buy in to student loan forgiveness for {$3000.00} at this point I knew this wasn't the XXXX that I was trying to contact. I have reported to student loan services.gov. They advised me to report this experience here too. This company hacked my password and log in info to my federal student loans and reset my information. This happened on XX/XX/2022 at approximately XXXX. I have since reset and secured my student loan log in.
Consumer complaint received 2023-07-23
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: Experian Information Solutions Inc. (IN)

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. PLEASE BLOCK AND REMOVE IT. 
XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX.
Consumer complaint received 2023-10-06
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-10-06
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)

I submitted a complaint last XX/XX/2023. Some negative items got deleted but there are still a lot remaining negative items which is badly hurting my credit report. I am submitting a new complaint hoping that you will still assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2022-11-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AR)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a senior citizen and a 30+yr customer of Bank of America . My two checking accounts at Bank of America were hacked on XX/XX/XXXX, when I received emails from the bank. The total authorized amount of {$74000.00} was withdrawn. Bank of America fraud department was extremely difficult to reach and not helpful. A new ATM card was sent but not cancelled another card was sent to the wrong address. Ultimately the bank denied my claimed saying the charges were authorized on my ATM card, which I never use nor authorized anyone else to use. Bank of America has not made documents available to me and when I call during business hours their offices are closed. My original 2 checking accounts were supposed to be locked and closed but continue to receive auto-deposits. 

On XX/XX/2022 - executives at the bank were contacted about the fraud and how their associates refused to establish a claim or freeze my accounts. The executive has stopped replying to my e-mail : XXXX and XXXX. On XX/XX/XXXX at XXXX, I finally reached XXXX at the Fraud Department in Texas who filed a claim and supposedly froze my accounts. CASE # XXXX. Fraud continued on the accounts for several days after reporting it.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

I made a request for Best Buy, on XX/XX/XXXX and XX/XX/XXXX, to correct my credit report, but they are still are reporting late payments that are older than XXXX XXXX XXXX. I know for a fact that I did make these payments, but I am not here for that. They are reporting to XXXX and XXXX XXXX late payments from XX/XX/XXXX and XX/XX/XXXX. 

Attached is a document from CITI and Best Buy stating the dates. I do not have the letters mailed to them.
Consumer complaint received 2022-12-05
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$20000.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there are possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2023-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ENCORE CAPITAL GROUP INC. (IL)

On XX/XX/XXXX, I submitted, via XXXX certified mail with tracking number XXXX, my request for Capital One to provide me with a XXXX for Capital One Bank credit card number XXXX that Capital One charged off on or about XX/XX/XXXX. In a letter dated XX/XX/XXXX, Capital One responded by discussing the furnishing of information to the credit bureaus. That was clearly NOT the purpose of my XX/XX/XXXX, communication. Capital One refused to address my request for the XXXX On XX/XX/XXXX, I submitted a SECOND REQUEST, via XXXX certified mail with tracking number XXXX, for Capital One to provide me with a XXXX for the charged-off account for tax year XXXX. As of the submission of this CFPB complaint, Capital One has not provided me with a XXXX as requested.
Consumer complaint received 2023-10-06
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: ALLY FINANCIAL INC. (MD)

Your company is currently reporting a negative listing to the three major credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding the above referenced account. Based on my recollection and my records, I can find no reason for you reporting such history. If youll review your records I think you fill, find your reported notations are inaccurate. 
The erroneous status of your credit reporting agency record is unacceptable and is preventing me from obtaining necessary financing. Pursuant to Title 15, Section 1666 of the United States Code, At this time I am requesting that late payments from XXXX XXXX XXXX XXXX be updated to current.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I submitted a complaint last XX/XX/2023. Some negative items got deleted but there are still a lot remaining negative items which is badly hurting my credit report. I am submitting a new complaint hoping that you will still assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-03-13
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. (MA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.