davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MA)

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2022-07-06
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. (TN)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX account # xxxxxxxxxxxx XXXX, XXXX XXXX  XXXX account # xxxxxx XXXX, XXXX  account # xxxxxxxxxxxx XXXX, XXXX XXXX XXXX XXXX account # xxxxxxxx XXXX, XXXX XXXX XXXX account # xxxxxxxxxxxxxxxx XXXX, XXXX XXXX XXXX XXXX account # xxxxx XXXX, 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 instructions.
Consumer complaint received 2021-05-11
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: Resurgent Capital Services L.P. (TX)

on XX/XX/2021, LVN funding LLC add a derogatory mark on my credit report per XXXX XXXX. upon, further research, this account was transferred/ sold and i am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was No written form of communication. contract or signature for this accused debt at all A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, LVN funding has Violated my rights as a consumer and i'm requesting legal action to removed this account immediately.
Consumer complaint received 2021-04-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Recovery Systems, Ltd (VA)

This account is fraudulent activity I did not authorize anybody to sign me up for this account with this company if this doesnt get resolved ASAP I will use legal actions according to the federal law the debt that this company is trying to Collect for me was sold and not being authorized to do so I am obligated to use legal actions I want this account to be removed off my credit report as soon as possible if this doesnt get resolved legal actions will be pursued it
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I am XXXX XXXX  and changed my name and XXXX  from XXXX XXXX XXXX to XXXX XXXX XXXX and would like to have my XXXX XXXX Experian credit s ore with my current name Im the same person.
Consumer complaint received 2021-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

In XX/XX/XXXX I purchased a family vacation through XXXX on my Amex card for the amount on {$2200.00} In XXXX I paid the total amount of {$2200.00} via my XXXX XXXX account Due to Pandemic our trip was cancelled, and in XXXX of XXXX I reached out to Amex to get refund on trip. 

I was given a credit of {$2000.00} ( not full amount paid ). I did not complain because I had no intentions of using the card. 

XX/XX/XXXX Refund came in for XXXX XXXX XXXX, and XXXX XXXX, and my account was refunded {$1400.00} ( not full amount. This should have been {$1500.00} ). Once again I did not complain, because I knew process was not done. 

XXXX XXXX did not refund me the {$690.00}, but instead issue me a travel credit to use on future flight. 

After several attempts to get a refund with no success, I just agree to cancel disputes and accept the credit. 

However, upon doing so I was refilled in the process for 3 of these flights. 3 Flights for the total of {$410.00} ( each flight was {$130.00} ). I have reached out to Amex over a dozen times to inform them they are rebelling me for something that has already been paid for. 

I purposely did not make any charges over {$50.00} my Amex card during this time to keep things simple. I made all those payments on time, and have made no other purchases. 

I reached out to all Merchants involved, and everything leads back to Amex. XXXX stated Amex never acknowledged the Hotel Refund they sent back for {$410.00}. Also Amex representative I spoke with on XX/XX/XXXX stated she did not see a credit on the account for the 3 charges. Even though system say it was given. 

I do believe they are trying to fraud me of my money and I need help. I have all my receipts to prove this trip was paid in full a year ago, Amex isnt trying to own their mistake
Consumer complaint received 2021-08-26
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NC)

Requested a refund from merchant named XXXX. Email states it will take 24-72 hours. That time period has expired, still no refund. Have began a dispute with American Express my credit card company to have this investigated. Documents attached show the merchant stating that they " processed '' the refund, As well as a dispute case identification number with american express. Please investigate and resolve.
Consumer complaint received 2021-05-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (MN)

On XX/XX/2021 I mailed a debt validation letter to RMP Services Inc ( First Scan  ) due to their reporting on my credit reports. The scanned letter is not the original. My thumbdrive malfunctioned and I lost the original so I recreated it from notes I had saved. I asked to see their license to collect in my state ( Minnesota ). I asked if this alleged debt was bought or transferred. I asked for their registered agent of service. 

On XX/XX/2021 I received a response back from RMP Services LLC ( Scan Two ). Contained in their response they sent my personal or someone else 's personal medical information. They did not include a signed HIPPA release allowing them to have this information. They completely ignored my demands to see a contract reflecting that I owe them anything. I have turned the HIPPA matter over to The U.S. Department of Health and Human Services and the confirmation number for that is XXXX. They have failed to provide me with anything validating this alleged debt. 

On XX/XX/2021 I sent a response to RMP Services LLC demanding proper debt validation ( Scan Three ). I marked up the documents asking questions about the contents of the documents. I also demanded to see a signed HIPPA release.

I received a response ( Scan Four ) on XX/XX/2021 that was dated XX/XX/2021. This letter was sent to my mother-in-law 's Post Office Box even though RMP Services knows I live in Minnesota, and has corresponded with me at my Minnesota address. Why they did this is a mystery. The letter stated that they are not going to give anything further. 

I will be sending a response on XX/XX/2021 ( Scan Five ) I have put a CC on the letter for CFPB and the FTC. I have stated in this letter that if they do not properly validate this alleged debt or remove it from my credit report ( s ) I will escalate this matter to the Attorney General 's Offices of Texas and Minnesota. This letter will be sent certified mail via USPS and I will provide the tracking numbers upon request.
Consumer complaint received 2020-02-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC (WI)

I asked them to stop all ach debits from my bank account I asked them twice in emails and I called today XX/XX/20 the emails I got no response when I called they told me the needed a different firm of payment. They are charging me 500 % interest on a loan for {$560.00} I have already paid them already {$700.00} I need them to stop debiting my account I also did contact my bank and they told me they cant stop ach debits
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

My husband and I submitted an application to refinance our mortgage to XXXX. On XX/XX/2021, we learned from XXXX that Experian had a security freeze on my credit report and credit score. I never requested a security freeze. I went on-line to try to remove it, and could not do so because I needed a PIN number. I do not have a PIN number and could not get one via the website. I was directed to fill out a form, submit a copy of my drivers license and Social Security card, and number and mail it to Experian at Experian Security Freeze, XXXX. XXXX XXXX, XXXX, TX XXXX. I did that the same day. 
I also telephoned the number given on the Experian webisite, and was unable to get the freezes removed via their voice messaging system and unable to reach a real person. 

On XX/XX/2021, I received an email from Experian acknowledging my request for help via mail, and asking me to rate their service. I did not receive any service at all. I still do not have a PIN, and I still have a security freeze on my account, and XXXX has withdrawn its offer to refinance our mortgage for that reason. Today we submitted an application to XXXX, another mortgage broker. They have advised us that the security freeze remains on my Experian account and they will not process the loan without it being removed.
Consumer complaint received 2021-08-26
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: R & B Corporation of Virginia (VA)

The debt that is said owed was disputed on XX/XX/2020 and deleted from all three credit bureau. Credit Control Corporation did not verify the debt that was said owed. I sent them a certified letter asking them to verify the debt owed bearing my signature. The law is that a company has 31 days to verify the information or it has to be remove from your credit report. All three credit reported this account as deleted. The company kept calling me like everyday repeatedly after I ask them to stop, because I don't owe you anything. I was getting threatening calls saying that my credit would be ruin if I don't pay. They even change the account number to another account number that was fraudulent. They are violating my rights as a consumer. They sound like scammers who are trying to use illegal tactics on people. I would like for this company to remove this account from my credit report or give name and number of who verified that this debt that said is owed belongs to me.
Consumer complaint received 2023-07-04
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. (NC)

I have INQUIRIES passed on that should be taken out or blocked. Per FCRA segment 605, 3 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 that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (AZ)

Discover Financial is attempting to collect an alleged debt in which they have not provided proof validating the alleged debt pursuant to 15 USC 1692g. I am awaiting all correspondence requested to validate the alleged debt, I have also request that Discover Financial cease and desist all communications in regards to the alleged debt and report all accounts with any credit reporting agency as positive in regards to this alleged debt until I receive proof of and have conducted a thorough investigation.
Consumer complaint received 2021-08-26
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

Sent out documents showing that these credit bureaus & creditors have been wrongly reporting inaccurate information on my report. Its against the law and its slowing me down from bettering myself in life. Under section 609 of the fcra I really feel like these items are in fault and need to be removed ASAP.
Consumer complaint received 2023-07-04
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. (CA)

CFPB Fair Credit Reporting Dispute Concerning Deceptive Practices and Violation of the Privacy Act of 1974 On XX/XX/XXXX, XXXX XXXX XXXX  claimed that I was pre-approved for a loan with their company. However, after being pre-approved, they ran my credit without providing me with full disclosure regarding collateral securitization. Subsequently, XXXX XXXX XXXX informed me that in order to qualify for the loan I was pre-approved for, I would have to use my personal vehicle as collateral. During the pre-approval process, I was never informed that my personal vehicle would be required as collateral for the loan. The XXXX XXXX XXXX affiliate or representative agent explicitly stated that the loan would be based solely on my job and income. This practice is considered unfair, deceptive, or abusive ( UDAAPs ) as it attempts to cause significant financial injury by damaging my credit reputation and eligibility. According to the Dodd-Frank Act, it is unlawful for any provider of consumer financial products or services, or a service provider, to engage in any unfair, deceptive, or abusive act or practice. 

Moreover, since I was not provided with full disclosure regarding the use of my personal vehicle as collateral, all prior agreements concerning access to my personal information are void. All my agreements were based on income and job worthiness, and at no time did I agree to use my vehicle as security for any debt. Due to their deceptive practice, I did not authorize XXXX XXXX XXXX to share my personal information with any third party based on false pretenses. 

XXXX XXXX XXXX has violated 15 U.S. Code 6802 and has failed to fulfill their obligations regarding disclosures of personal information. They have also not provided me with an OPT OUT notice before adding any positive or negative information to my consumer report. 

Furthermore, XXXXXXXX XXXX XXXX  violated my privacy by obtaining a credit report without a permissible purpose. I should have been informed prior to the credit inquiry that my personal vehicle would be used as collateral for a secured loan. 

Additionally, in accordance with the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), consumer reporting agencies such as XXXX, XXXX, and Experian are required to handle their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. As a consumer, I have the right to ensure the non-disclosure of my private information, as supported by 15 USC 6801, which states that financial institutions have an ongoing obligation to protect customer privacy and the security of their nonpublic personal information. XXXX has reported this information in my credit profile, contributing to the damage of my creditworthiness and reputation.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, 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)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 have tried to dispute these with Experian still they did not want to resolve the issue. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights
Consumer complaint received 2021-05-11
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: U.S. BANCORP (CA)

In XXXX of 2020, I entered a mortgage forbearance plan with U.S. Bank. I did this because I own a small business in the food industry and Covid-19 had caused many restaurants to close due to the restrictions. I was unsure what the future would be with my business and did this as a precaution. I contacted the bank and was told not to worry as it would not affect my credit ... this is incorrect, it is on my credit showing a past due amount. My current credit report shows it has now dropped 10 points! For months I received notices from U.S. bank stating I was behind on the mortgage and that they had attempted to contact me multiple times to discuss. The truth is, I have been in constant communication with U.S. bank, and was told to " ignore '' the letters, as they were automatically being sent. They stated that it would not affect my credit, not to worry and passed me off to other people in their phone maze. I decided to start paying my mortgage prior to the end of the 6 months they were allowing, because I was able to pay, and I was concerned about a paper trail from U.S. bank threatening foreclosure. I started paying in XXXX of 2020 and have made payments every month. My bank statements reflect the payments made, but US bank Home Mortgage does not. They refuse to apply payments. I spoke to the relationship manager who said that I needed to take it up with the credit bureaus. I feel they have been setting me up this whole time. This was supposed to protect bank customers, but it has caused me a tremendous amount of stress and anxiety.