davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Google Compare Credit Cards Inc. (NY)

My google account was hacked and someone was able to make 2 purchases of {$320.00} to two credit cards I had on file. A XXXX card and a XXXX card. The XXXX card purchase for {$320.00} but google refused to refund me for the XXXX XXXX purchase and XXXXXXXX XXXX  reversed the credit applied to my account which is no longer active. I've tried several times to dispute this with google but they keep saying " After reviewing your claim, we were unable to confirm fraudulent activity in this case, so no refund will be provided by Google at this time. If you would like to pursue the matter further, you can reach out to your financial institution. '' The XXXX  card transaction was made on XX/XX/2021 for {$320.00}. 

I realized that an email was sent to me to which I had to respond within a certain amount of day but unfortunately whoever hack into my account also put a filter on my emails, so any emails that were coming from google, online stores, and even my bank I was not getting because they were set to go straight to my trash folder. I finally figured this out after I was having issues with not receiving very important emails and missing deadlines to respond to them. The hackers also hacked into a few other accounts such as XXXX and XXXX. A purchase was made on XXXX but luckily I was able to catch it in time to stop it. Multiple out-of-state ship-to addresses were also added to my google account along with other accounts XXXX I finally figured out how my accounts were being accessed. 

One day my daughter was on the computer and she called me to tell me that the mouse was moving on its own and multiple websites were popping up in google XXXX Someone was accessing my computer remotely. They tried to access multiple accounts and then attempt to cover their tracks by deleting my google data. luckily my daughter was able to stop them before they could delete the history
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (MD)

Please remove XXXX XXXX from my XXXX Inquiries currently showing on my reporting. I do not know or have any known affiliations with this to the best of my knowledge. I have not known of any entity like this dealing with credit since 2015. A charge off in 2015. The statue of limitations are XXXX. XXXX. 
This looks negatively on my reporting .please remove, as a hard Inquiries. 
Thank you so much for your help! 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Neon Newco Corporation (GA)

NetSpend and XXXX XXXX are giving millions of their customers, including myself, the run around. I usually receive my payment around XXXX XXXX  Tuesday mornings, but no deposit was received this pay period { XX/XX/18 } .. { No prior notice was given, it took me to do a XXXX search to find this info } and because of that has placed myself { and millions of other account holders } in a tough spot due to bills needing to be paid etc.., but no one can give any info, and from what Im viewing online, the reps are giving out conflicting info, one rep even hung the phone up on me.
Consumer complaint received 2022-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (VA)

Summary of complaint submitted : XXXX I have received a response back from cfpb in the mail. In the mailed package it included information from the company that responded. In their letter they have acknowledge the harassment which is a ( Violation ) after I asked them to take me off their call list as well as cease and desist all actions. They forgot to add, or more like omit that I have told them verbally and in writing that this isn't my account nor debt. 
In there drawn out letter that basically states to my understanding that they refuse to remove fraudulent reporting that they illegally placed on my personal credit until they get a police report. Another inconvenience to the consumer that's a victim to their fraudulent practices and identity theft. To add insult to injury : The company gave cfpb a copy if a Lease Purchase Agreement with a ( fraudulent/ signature forgery ) forged signature with my name on it. This alone is a huge red flag. I'm sorry to State the obvious that I actually sign all documents in cursive writing, ( * My generation was taught cursive writing signing and writing * ) I never use a print like signature especially not as perfect as whoever forged my name. That's crazy to see my name forged ( wow ). On top of that : the agreement was dated XX/XX/XXXX which I was in XXXX XXXX, Texas on XX/XX/XXXX. According to this fraudulent agreement dated and in the company 's response letter on XX/XX/XXXX I seen a retailer in XXXX, Georgia. Interesting to know I was in 2 places that actually is approximately 15 hours away from each other and 3 states apart.

Clearly I have enough evidence from the company 's fraudulent agreement with a forged signature, and date. Plus a direct letter stating the company continued harrassment : according to the response letter the company noted twice documented harassment calls. I directly claim several incidents. Apparently the law is the law and two is sufficient enough. Also, acknowledging that this isn't my account. 
I have reported the fraudulent activities to the : FTC ( Report # XXXX ), FTC holds sufficient weight as a government agency. 
CFPB XXXX  And to the company I have verbally asked the company to cease and desist, and in writing. 

*I 'm attaching a few documents with my hand writing and signature for cfpb to see the company 's fraudulent activities.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IN)

To whom it may concern, I wish to address the violation of my consumer rights through the dissemination of inaccurate information. Fair treatment by those in control is my right, and I request detailed information on their failure to uphold accuracy and compliance. Negative information, regardless of certification, is intolerable. I prioritize factual and truthful details concerning your company and the data related to my credit profile. The discrepancy in the credit report I received is surprising, as adherence to FCRA and relevant XXXX XXXX data field formatting standards is expected. 
I challenge you to provide a verified, complete, and true document containing evidence for each claim. Failure to adhere to these standards, as outlined in the 2020 CRRG, jeopardizes data integrity, a critical matter. I urge you to remove any false accounts promptly to prevent future financial implications. My credit report is of utmost importance, and I insist on factual accuracy, verification, and compliance with regulations. 


Additionally, I am disputing the following accounts : 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 2022-05-04
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX & XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXXXXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-03-21
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. (MA)

DEAR CFPB For past 10 months now I been trying to dispute unverified items on my credit report file. I have not got any results of document verification that account belongs to me with my signature and social security number. according to the fair credit reporting act, section 609 ( a ) ( 1 ) ( A ), THEY ARE REQUIRED BY FEDERAL LAW TO VERIFY through the physical verification of the original signed consumer contract any and all accounts they have post on a credit report. otherwise, anyone paying for they reporting services could fax, mail or email in a fraudulent account. 


it's my right to see verifiable proof ( AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT ) they have on file of the account listed below. they have failure to positively verify these accounts has hurt my ability to obtain credit. UNDER the FCRA, UNVERIFIED ACCOUNT MUST BE REMOVED AND IF THEY ARE UNABLE TO PROVIDE ME A COPY OF VERIFIABLE PROOF, they must remove the accounts listed below. 
XX/XX/XXXX {$2200.00} XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX  XX/XX/XXXX {$570.00} XXXX XXXX XXXX XX/XX/XXXX {$600.00} XXXX XXXX
Consumer complaint received 2018-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Westlake Services, LLC (TX)

There are several accounts reporting on my credit file that isnt associated with my personal information such as social security. I have filed three disputes on these unauthorized accounts that are reporting. The reporting debtors refuse to remove these items off my credit file. I have sent legal letters to these entities asking for deletion. Below listed are the reporting agencies that are reporting negatively. 
XXXX XXXX XXXX Repossessed no balance due! Account never fulfilled WestlakeFinancial- Never Opened ( fraud ) XXXX XXXX never opened or debt owed XXXX XXXX-fraudulent Account XXXX XXXX Social Not matching These items wasnt authorized by myself and wasnt opened with my consent!
Consumer complaint received 2022-10-20
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. (AZ)

In accordance with the Fair Credit Reporting Act ( FCRA ) this creditor has violated my rights for this account : XXXX XXXX XXXX Opened XX/XX/2015 Stating two 30-day late payments It is in violation due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent. 

[ 15 U.S.C 1666B ] A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws.
Consumer complaint received 2021-05-04
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. (LA)

I want to make this perfectly clear that this is a demand for a method of verification where the following items should be provided to ensure the validity of each account reporting. 

XXXX XXXX XXXX XXXX  I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late XXXX XXXX XXXX  XXXX I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late XXXX XXXX XXXX XXXXXXXX I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late XXXX XXXX XXXXXXXX XXXX I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late I have been trying to get this resolved since LAST YEAR and none of these credit bureaus will respond and I mean NONE of them ... this is getting out of hand. 

I need these accounts validated or deleted immediately XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, LOUISIANA XXXX
Consumer complaint received 2018-10-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (VA)

This collection account from XXXX XXXX was placed on my credit in XX/XX/XXXX. XXXX never sent me written notification to dispute this debt. The month the account was placed on my credit, I immediately disputed the debt. I contacted the original creditor, XXXX XXXX XXXX, with XXXX on the phone on XX/XX/XXXX. While speaking with a supervisor that day, the supervisor was unable to verify the debt, despite the fact that diversified consultants stated they had already verified that account. They also informed me that this account had been delinquent since XX/XX/XXXX but had just been placed on my credit XX/XX/XXXX. I informed the representative at XXXX XXXX XXXX and at XXXX, that I did not owe this debt and the proper steps should be taken to correct this account. Since then nothing has been done. I have yet to receive my right to dispute from this company, or a fraud packet, which should have been sent to my mailing address once I informed both representatives that account is in a result of fraud. Since no action had been taken, I filed an initial complaint with the XXXX. When XXXX responded, they sent billing statements with no information other than my name and the amount owed. I have a current XXXX XXXX XXXX account, so I am fully aware of how the billing statements look. This statement was not itemized. It had no email address attached to it. XXXX XXXX XXXX stated this was a wireless account, but no wireless number was attached to it either. Also, this bill was drafted AFTER the account had reached collections. Nothing was sent prior to this account being placed on my credit account. I will continue to file complaints against this company, regarding this matter until this issue has been fully rectified.
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Neon Newco Corporation (DC)

My direct deposit from work of {$1100.00} was supposed to hit on XXXX XXXX at the latest ( XXXX promises early direct deposit up to 2 days, so initially I was supposed to receive it on XXXX XXXX ). It is now XXXX XXXX and still no funds have been deposited & I'm accumulating late fees from my bills ( Which their rep stated will NOT be reimbursed regardless of the delay on their end ). They also won't give me any information on when the issue will be fixed. I was told yesterday that it would be resolved by close of business yesterday. Today came, and was told the same thing. Only to just keep playing the waiting game and getting the run around from these people playing with my paycheck.
Consumer complaint received 2022-11-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Consumer Portfolio Services, Inc. (MD)

Received auto loan from Consumer Portfolio Services during bankruptcy. 
Made payments for several years via company website, with {$12.00} fees. Recently did some searching on the website and realized that there are no-fee options. ( Pay Near Me ). This information is not readily available on the website. Due to financial difficulties, I paid late, accumulating late fees. I was able to bring my account current this year, yet my monthly statements show Late/Service fees of {$7.00} and {$5.00} for the last XXXX months, respectively, with no explanation. Regular monthly payment plus fees does not match amounts due. I have consistently received phone calls and texts stating that my account is past due 1 day after due date, as well as past due texts after making payments on time. 
There is no indication of where my previous payments have been applied. I have paid more than monthly amount due, yet fees remain. 
There is a notice on my monthly statements that literally reads, " A fee of up to {$30.00} will be assessed on all '' What does that mean?
Consumer complaint received 2021-11-20
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. (FL)

The company claimed that they were able to verify the bankruptcy but that couldn't have been possible due to the fact that I have a security freeze with the company that they use to alleged " verify the information ''. Even if I would have filed for bankruptcy, the XX/XX/XXXX do not provide any information to anyone. I have a copy of a letter that clearly indicates that they do not provide any information to anyone. Experian uses XXXX to " allegedly provide verification of information ''. In my case, XXXX couldn't have provided verification to them due to the fact that I have a letter ( enclosed ) which clearly states that I have placed a security freeze placed on my file.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (PA)

Experian only has one credit card listed for me. I am XXXX XXXX XXXX. I have many auto and home loans as well as many credit cards. When I try to get a car loan they say I have NO CREDIT. When you look at XXXX and XXXX they have all my account info. I can not find any way to contact Experian to correct this issue.
Consumer complaint received 2019-03-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Management Services, LP (MI)

I recieved a collection notice in the mail from a Capital Management Services claiming I owed a debt. The debt is unfiiar to me. I followed the dispute process and mailed a written letter of dispute asking for verification or judgement that the debt is valid. After 30 days I have not heard back from them, so I assumed that the debt was found to be invalid. Suddenly, without verification of the debt, I started receiving phone calls about the debt. 2 of my family members received calls from the same company trying to get information about me and my address, but this is illegal because they 1 ) already have my information in full and 2 ) have not provided written verification that the debit is valid. When I called to discuss this nefarious activity, XXXX the supervisor at capital management services claims that they never received my letter.. OF COURSE THEY WONT ADMIT ITS IN DISPUTE. 

But suddenly now it is in dispute and they promise not to call without verification of the debt in my hands. 

Capital Management Services knows their behavior is illegal.
Consumer complaint received 2018-04-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JH Portfolio Debt Equities, LLC (NY)

JH Portfolio Debt Equities has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2018-04-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (GA)

On XX/XX/2018, this debt for { 10,973 } appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.