davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-22
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-08-15
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2015-06-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (NJ)

On XXXX XXXX 2015 I received a dunning letter dated XXXX XXXX 2015 from CFSI informing me that I owed them {$1300.00} on an alleged debt from a company called XXXX XXXX XXXX. I disputed this debt in it 's entirety the following week via certified means on XXXX XXXX 2015 as I have no clue to who CFSI is or XXXX XXXX XXXX. I have no contractual obligations nor have I had ANY obligations to either. To my complete horror and surprise CFSI reported this so-called debt on my XXXX report on XXXX XXXX. No response to my dispute whatsoever!! And they reported it at least XXXX weeks before the XXXX day period as prescribed by Federal Law. After doing some due dilligence on CSFI, ive come to realize that this method of extortion/fraud is their method of operation. This company has a vast record of breaking FDCPA laws. Please, by all means, just look it up for yourselves. Do n't take my word for it, it 's all over cyberspace for anyone to see.
Consumer complaint received 2020-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-04-14
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: CCF Intermediate Holdings LLC (WI)

Unknown person was impersonating as a Speedy Cash employee and trying to collect money from me. 

This is how much they say I owe Speedy Cash and is demanding me to pay this amount. I know how much I borrowed from Speedy Cash and had called them directly to confirm my current loan and monthly payment. 

This person impersonating Speedy Cash is using a fake email to contact me. 

Pl share the Receipt of the payments ; we haven't received anything. 

As we see in the records, you still have {$1100.00} pending to get the full and final settlement done. 

Once paid you would get the Settlement closure letter for Fair Debt Collection Act UG- 17 ( B ) Get back to us ASAP.

When I don't respond back, they threaten me with lawsuits and wants to charge me for fraudulent charges. 

Speedy Cash confirmed with me that they don't have anyone contacting me and knows that my loan is still current and I don't owe them that high of amount.
Consumer complaint received 2023-06-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (SC)

I am writing to file a complaint against LVNV, a collection company that has failed to comply with the Fair Credit Reporting Act ( FRCA ). Despite several disputes, LVNV continues to inaccurately report on my credit report and has not produced real evidence that the account belongs to me and should be removed.

I have been disputing this account with LVNV for several months now, and they have failed to provide any concrete evidence that the debt belongs to me. Despite my repeated requests for proof of the debt, LVNV has continued to report the account on my credit report, which has negatively impacted my credit score.

I have also noticed that LVNV has been reporting inaccurate information about the account, which further damages my credit score. This is a clear violation of the FRCA, and I am deeply concerned about the impact this is having on my financial well-being. I urge you to investigate this matter and take appropriate action against LVNV for their failure to comply with the FRCA.

I also request that you ensure that LVNV removes this account from my credit report and takes steps to correct any inaccurate information they have reported. Thank you for your attention to this matter.
Consumer complaint received 2022-07-22
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: Debt Recovery Solutions, LLC (AL)

Debt recovery solutions XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Bought a debit from XXXX XXXX in the amount of {$320.00} It has been reported to all three credit bureaus that this account was opened on XX/XX/XXXX, and is now in collections. It has an estimated removal date of XX/XX/XXXX. This account has been re-aged. I attempted to dispute this information with all three credit bureaus in XXXX of this year. However, all of them returned my dispute as verified.
Consumer complaint received 2020-08-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FORD MOTOR CREDIT CO. (WA)

I have been called daily, and usually more than once a day by Ford Credit asking to speak with someone whom I do not know. I do not  have any accounts with Ford or Ford Credit. I have talked to 5 different Ford representatives ( most recently on XX/XX/2020 ) who have all claimed to take my phone number off of their list however they continue to call. 

The phone numbers they typically call from are : XXXX XXXX
Consumer complaint received 2020-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (AZ)

I had 3 fraudulent debit card charges that I did not make. There were two charges from XXXX for {$8.00} each, one charge from XXXX XXXX XXXX for {$86.00}. All of these charges occurred on XX/XX/2020. I reported the fraud to my bank account Chase on XX/XX/2020 by calling them over the phone and I filed a debit card fraud claim. Within a few days I received a temporary credit for all 3 charges. On XX/XX/2020 Chase cancelled the temporary credits. I called Chase on XX/XX/2020 and they told me my fraud claim was denied because I have done business with XXXX in the past. I have a XXXX account but, my monthly recurring charge from XXXX was {$17.00} and is now {$14.00} ( because I downgraded my plan ) and occurs on the XXXX of every month, which is a different amount and day of the month. I've attached my XXXX account showing the amounts and dates are different than the {$8.00} fraud charges. I've never done business with XXXX XXXX XXXX ever. When I spoke to Chase over the phone on XX/XX/2020 they refused to refund the fraudulent charges, I asked if I could appeal the decision because I did not make these charges, they said no and they told me I had to contact the merchant to get the funds refunded. XXXX on their own refunded one of the {$8.00} charges themselves. On XX/XX/2020 I went to a Chase branch ( XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ) And asked that my account be closed. I did not make these charges. My account is supposed to be protected if fraud occurs but, Chase Bank did not protect my account and then refused to reimburse me for the fraudulent charges.
Consumer complaint received 2020-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX   and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX  XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

HIPAA VIOLATION I submitted a complaint of a HIPAA violation to the Credit Bureaus. The violation continues on behalf of XXXX XXXX XXXX ... ..account # XXXX.
Consumer complaint received 2020-08-15
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. (TX)

My credit score never goes up and I have collections that I knew nothing about. Had 2 bankruptcys that I never had. I talked to an attorney but I never filed bankruptcy.
Consumer complaint received 2022-12-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (DE)

This XXXX on my credit report must be removed as for the fair credit reporting act and the creditors are not required to report anything to the credit reporting agencies! So why is there any XXXX reporting on my credit report that is reported to this credit reporting agencies. This is clearly an error on your part as a credit reporting agency reporting a XXXX  Send me all your data about where you gathered this XXXX
Consumer complaint received 2020-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-08-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Acceptance Corporation (CA)

On XX/XX/18 an invoice was populated in my name for the amount of {$360.00} from the Dr. office of XXXX XXXX XXXX MD of XXXX XXXX XXXX for services rendered. Not only was I unaware of this charge, but I also don't recall ever having a service done. Whenever I attended this office, I was never invoiced and told by my insurance company, during that time, all charges were covered. The debt was turned over to a company by the name of M. Leonard & Associates which appeared on my credit report before I even received a collection letter from them. 

I attempted to contact M. Leonard & Associates for verification of the debt, requesting a copy of the invoice and signed document stating I agreed to pay for these services, which this company has failed to provide and comply with. I contacted the credit bureaus regarding this bogus collector reporting misinformation on my credit report. I then attempted to contact M. Leonard & Associates again to remove said debt, in which, they refused, insisting that I owe the debt listed in the invoice provided, without providing me adequate proof requested pursuant to 15 U.S.C. 1692g of the FDCPA. 

Not only has M. Leonard & Associates failed to comply with my request, but they also insisted on saying they are not required to provide me with the verification requested. They don't have the original receipt of my debt they say I owe, they are trying to collect a different amount from the {$360.00}, tacking on interest in the amount of {$130.00}, and they are refusing to comply with my written request of verification which is outlined in detail along with the laws that back each of my demands. I refuse to pay this company as I feel they are trying to collect from consumers unlawfully and falsely reporting to the credit bureaus without adequate verification. Please make these crooks comply with the law and avoid destroying the consumer 's financial history.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BOEING EMPLOYEES CREDIT UNION (WA)

XXXX is reporting a BECU Credit Card that's not mine, I have disputed it, but they did not remove it. I have contacted BECU and they also confirmed it shouldn't be on my XXXX report and told me they would dispute it on there side and send me a copy of the dispute which I never received. Then I look at the results of my dispute and BECU says it mine, but it isn't my account and I need it removed, it isn't mine and I wouldn't carry a balance.