davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am compelled to write to you regarding an urgent and distressing matter involving my credit account with XXXXXXXX XXXX XXXX XXXXXXXX, which was discharged through XXXX XXXX  bankruptcy XX/XX/2023. It has come to my attention that XXXX XXXX XXXX with XXXXXXXX XXXX XXXX XXXX located in XXXX, Ga has been engaging in unauthorized and fraudulent activities by updating this closed account included in my XXXX  XXXX as an open balance account on my credit report. These updates have occurred on a nearly monthly basis since the accounts legal closure, directly contravening federal laws and the terms of the bankruptcy discharge.Hes been financially bullying and Ive just realized the negative impact its had on my account Hes a big issue and a horrible banker in this community and I do not appreciate the crooked behavior of this banker.
Consumer complaint received 2023-11-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams, Rush & Associates, LLC (NC)

I believe the account is invalid. WILLIAMS RUSH & ASSOCIATION needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.WILLRUSH  ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2023-12-13
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bounce AI, Inc. (FL)

Hello, I am writing to file a formal complaint against Bounce AI, a collection agency, for continuous violations of the Fair Debt Collection Practices Act ( FDCPA ). Despite my efforts to resolve the matter and assert my rights, the agency has persistently ignored my requests and continued its collection attempts. 

Here is a timeline of events : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I sent a formal debt validation request via email to Bounce AI following their initial contact on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX Despite this request, on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX, I received another email from Bounce AI, enticing me to discuss repayment options without providing the requested debt validation information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I received a call from one of their representatives using the phone number XXXX, again without providing the necessary debt validation documents. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I received another call from the same number, demonstrating a blatant disregard for my request for debt validation and a cease and desist order. 

These actions by Bounce AI directly violate my rights under the FDCPA, which clearly stipulates that debt collectors must cease communication upon receiving a written request for debt validation and a cease and desist order.

Enclosed with this complaint are copies of all relevant communications, including my initial debt validation request and records of subsequent contact from Bounce AI.

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Bounce AI for their continuous violation of the FDCPA.

Thank you for your attention to this matter. I look forward to your prompt action in resolving this issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-11-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams, Rush & Associates, LLC (CA)

The original utility was XXXX XXXX, this is a 3rd party utility that provides gas supply through the distribution of your typical municipal or private utility owner at supposedly reduced rates. All billing for their service is handled through local utility, which provides distribution and billing and pays XXXX. No payments are provided by the subscriber to XXXX, all billing is handled through XXXX XXXX XXXX ( the local utility distributor ). 

I moved from a location where i had subscribed to XXXX gas product to a new location where it wasn't offered. I received a large bill from them with a very large cancellation charge. I reached out to them to dispute this based on the fact that i moved to a location where they can't provide their service. They responded by stating they would remove the cancellation fee. This conversation happened over the phone and email confirmation of the actions. This occurred in approximately XXXX of 2022. I never received an updated invoice or bill after this interaction occurred. One year later i receive a collection letter from XXXX XXXX XXXX along with a collection account placed on my credit score. I reach out to them to get a debt verification of the owed amount. They never provided a debt verification. I reached back to to XXXX XXXX to inquire about why this went to a collection account and to address it directly with them. They provided an outstanding balance that included the high cancellation fees. I sent them the communications where they removed the fees. They apologized and provided me an updated amount without the fees. I paid this amount. I reached out to the collection agency and showed them my communications, showing that i paid the outstanding balance. For months, the collection agency, XXXX XXXX, has stalled and refused to acknowledge my payoff to the original utility. All of my communication results in them stating that they need to confirm they amount with original utility. I have multiple email communications stating i am paid in full, which they are unwilling to accept as fact. I still have a collection account on my credit report.
Consumer complaint received 2019-11-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CO)

Navient collected a {$100.00} Forbearance Payment from me on XX/XX/2017, and then collected another {$100.00} Forbearance Payment from me three months later on XX/XX/2017. The Forbearance Payment collected on XX/XX/2017 should have covered a one year period, but Navient collected another {$100.00} Forbearance Payment only three months later.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-16
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. (MI)

I sent letter to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX  XXXX of inquiry XX/XX/XXXX XXXX XXXX  XXXX Date XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of XXXX XX/XX/XXXX
Consumer complaint received 2024-03-16
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or remove. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc. (FL)

LOCKHART MORRIS & MONTGOMERY DEBT COLLECTION COMPANY IS REPORTING ON MY CREDIT REPORT AS AN OPEN ACCOUNT DATE AS OF XX/XX/23 WHICH IS INACCURATE. I AM ASKING THEM FOR AN AUDIT TRIAL OF. THE BALANCE. TO PROVIDE ME THE AGREEMENT THAT GRANTS THEM AUTHORITY TO COLLECT THIS ALLEGE DEBT. ALSO PROVIDE ME THE MASTER BILL. OF SALE.
Consumer complaint received 2022-01-31
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. (NC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/XXXXand still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-04
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. (TX)

I received alerts on my credit monitoring system and noticed a plethora of inquiries that I do not recognize and have not given my consent toward.This is a violation of 15 USC1681 B : permissible purpose of consumer reports and must be deleted immediately. XXXX XXXX XXXXXXXX XXXXExperian, XXXX XXXX  XXXX Experian, XXXX XXXX XXXX XXXX Experian
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CA)

Dear Consumer Financial Protection Bureau ( CFPB ) Team, I am seeking guidance and support regarding the removal of an inaccurate account from my credit report. I have recently discovered this account that was opened fraudulently in my name, and despite my best efforts, I have been unable to get it removed, and I haven't received any replies or feedback regarding these issues. XXXX XXXX XXXX : {$1400.00}
Consumer complaint received 2022-02-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (PA)

I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I have been made aware that you are not eliminating items, even when they are submitted with an FTC fraud report # XXXX. This marks my third complaint regarding identity theft, and I am submitting this to contest the items listed in my file following the crime, as per the bureau. The disputed items are unrelated to any transactions involving the acquisition of goods, services, or money that I have authorized. Kindly expunge the reporting of these items from my credit file, which stemmed from an alleged identity theft : XXXXEXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX ***********XXXX  : XXXX XX/XX/XXXX
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX ( XXXX ), it is plainly stated that a failure to investigate these items within XXXXdays gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-16
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. (TX)

I recently reviewed my credit report with Equifax and XXXX XXXX and have found inaccuracies showing that are affecting my credit rating showing on my credit file. I have disputed directly with Equifax and XXXX XXXX over 30 days ago and they have failed to remove these in accuracies. XXXX XXXX Acct was paid and agreed to remove from bureaus and XXXX has complied, but Equifax n XXXX have not Equifax XXXX XXXX Acct # XXXX Showing as closed but has not been removed XXXX XXXX XXXX Acct # XXXX Showing as paid but has not been removed
Consumer complaint received 2022-02-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (NY)

RE : DISPUTE : LVNV Funding LLC/ XXXX XXXX XXXX XXXX XXXX ID : XXXX Previous Balance : {$680.00} Account : XXXX account XXXX To whom it may concern : I am writing this letter to DISPUTE : LVNV Funding LLCXXXX XXXX XXXX XXXX XXXX I have called LVNV Funding LLC and spoke with XXXX XXXX at XXXX at XXXX on XX/XX/XXXX to make a settlement offer with good faith to close this account. After speaking with XXXX XXXX of my financial situation she agreed to accept the amount of {$400.00} as a full balance of the account and in addition agreed to delete the account on my credit reports. She also stated in approx. 14 days I will receive a letter confirmation that the account was settled and within 30 days the account will be delete it from all credit reports. After two weeks I received a letter dated on XX/XX/XXXX received on XX/XX/XXXX with the full balance of {$680.00}. 

I have sent a letter via fax on XX/XX/XXXX letting them know that this account has been settled and that I am still waiting for the letter. I have also let them know that this balance of {$680.00} should be an error. 

Today I checked my credit report in my XXXX account ( Through XXXX ) and LVNV Funding LLC is back reflecting with a balance of {$280.00}. 

I felt defrauded and scammed. They lied to me. I want to make a complaint and make a report these fraudulent practices they have done to me and who knows how many people out there looking for a relief like me in these difficult times when through something like this. They did not keep they're word by sending me a letter that this account has been settled and delete this account as we agreed over the phone. 

Please see proof of email payment for the amount of {$400.00} confirming the day, time that this account was PAID and was processed when I was negotiating with them. In addition to the letter letting them know that I'm still waiting from them a letter confirmation that this account has been settled by agreement. There information is not accurate and is actually a violation of the FTC. This account should not be reflecting on my credit report as they agreed to delete the account and accept the payment of {$400.00} as a full balance payment but they did not keep the promise as agreed. In the top of this I am unemployed and they knew it. 

This account should be delete it on all of my credit report and I want a letter via mail with the agreement that this account is settled for the amount of {$400.00} as they agreed and that the account have been deleted from all credit reports. 

I appreciate it all your help on this.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-02-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (WI)

A few days ago I received a letter from sunrise Credit Services out of XXXX New York they said I owed them {$110.00} for charter communications today they had called me and told me that I owe {$100.00} and want a payment over the phone I told him I do not owe that debt that I settled with XXXX communications already and that and I told him to send me proof of this debt and then he became very belligerent and threatening so I just hung up so at this point I did talk to spectrum or charter communications and they had told me that I only owe them {$40.00} I'm not behind and that I only need to make that payment when the bill comes this week and I'll be clear and free with them so obviously this company is a scam and I would appreciate if someone could investigate them thank you very much
Consumer complaint received 2022-02-16
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: SYNCHRONY FINANCIAL (MI)

The account with SYNCB/PPC with account XXXX has been reporting derogatory in my credit report however, payment history shows that I paid on time. There are no late payments showing on my credit report how come that may payment status tagged ad collection/charge off? Also, the balance says that I have zero balance. I'm not sure if the XXXX have conducted a thorough investigation.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AL)

I pay to have my credit professionally monitored for my protection. Equifax has blocked my credit report without notice to me or without cause. I have tried to have it unblocked by Equifax without success. I want it restored and the block removed so that I can successfully see my credit report that I work hard to keep in good standing. I would like for the CFPB to step in to resolve the matter as soon as possible.
Consumer complaint received 2024-01-04
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. (FL)

These are some of the XXXX, Experian, XXXX. companies to eliminate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX