davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-29
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. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX,
Consumer complaint received 2021-03-03
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: FIDELITY CAPITAL HOLDINGS, INC (CA)

In previous responses ( XXXX, XXXX, XXXX ), the company ( FIDELITY CREDITORS SVC ) did not provide me with the requested documents.

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

FIDELITY CREDITORS SVC did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I encourage a response from you expeditiously.
Consumer complaint received 2017-08-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Michael J. Scott, PC (TX)

I received a debt collection letter from Scott & Associates, PC on behalf of XXXX XXXX XXXX. The amount is {$3100.00} and their account # XXXX. They also filed a lawsuit against me ( case # XXXX ) I called the Law Firm and I spoke in the to XXXX XXXX. I informed her that I 've never done business with this bank. I was asked for my last 4 digits of my SSN. XXXX XXXX XXXX told me that that my SSN in the account does n't match the last four of my SSN. At that point I tough that the it was the end of it but that did n't happen. They keep sending letter and sending collector to my house. I need this to stop. I sent them copy of the 3 major credit reporting agencies with ( XXXX, XXXX XXXX, XXXX ) that  shows that I have no outstanding, late payment or collection in my credit report. I sent a copy of my XXXX, A copy of my military service XXXX XXXX payment so they can corroborated the last 4 of my SSN. I also told them that to perform my duties at my job I needed a security clearance and my last SC was Finnish in XX/2016 flying colors. All this info and they still coming after me for something I do n't owe.
Consumer complaint received 2021-07-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WV)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on ( Provide Date ). They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2020-07-22
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: JPMORGAN CHASE & CO. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX, XXXX. 
Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ] Dear Credit and early earning services, THIS IS A FRAUD ACCOUNT NOT OPENED BY ME XXXX Contributors-XXXX  XXXX-Alabama Account XXXX Routing # XXXX SECOND FRAUD ACCOUNT- Consumer ID # XXXX Contributors-JP  Morgan chase Account XXXX Routing # XXXX FRUAD EMAIL XXXX XXXX
Consumer complaint received 2015-12-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Delbert Services (TX)

I received several calls from XXXX. He will not tell me what company they are with, only that I allegedly owe money to a western sky finance. I paid all my loan and then some to western sky and I do n't know who these people are that are trying to collect money from me. They called me at work and even after I told him I was at work and they were not allowed to call me the agent said they would continue to call me. I called him back and he kept hanging up on me until finally he transferred me to a supervisor. This is harassment plain and simple and I want to file charges on these people.
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc. (NY)

I ( as a Consumer under 15USC 1692a ( 3 ) protected under Federal laws ) never gave Sagestream my written consent to share any of my personal information with any consumer reporting agency, under 15USC 1681b ( a ) ( 2 ). And 15USC 1681a ( 4 ), my right to privacy.
Consumer complaint received 2020-07-22
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. (TX)

I have disputed the account with XXXX several times. Due to not receiving any evidence that the account reporting was correct, I continued to dispute. The credit bureaus subsequently declined to further investigate based on the initial investigation. It is my legal right to receive verification that a debt on my credit report is mine. Despite the fact it is showing a paid collection, I need to see verification that this debt was initially mine.
Consumer complaint received 2021-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi, On XXXX XX/XX/2020, I deposited XXXX $ On ATM at Bank Of America XXXX XXXX XXXX XXXX XXXX CA XXXX. The atm took my money and sent out a paper that said we are sorry and we cant continue the process also we cant return the money! So, nothing showed in my account and money got disappeared in the machine, now is 4 months and nobody is responsible for the missing cash that I deposit.
Consumer complaint received 2020-08-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Alliance One, Inc. (WA)

I received a traffic ticket back in XXXX, due to the person who owned the vehicle didn't the renew tabs on car. I didn't pay anything on it until XXXX. The collection agency, Alliance One, sent me a garnishment letter in the mail, 2 years after I made the payment. I told them that I lost my job due to Covid-19, and I was receiving unemployment benefits. They basically ignored what I said, and told me that If i didn't make payments each month, I would lose my license. I also make less then {$470.00} a week while on unemployment. Almost every time I call in to make a payment, I try to tell them that they are outside of their legal rights, and they can't charge me. They refuse to listen to me, and continue to charge me an amount that I can not afford right now.
Consumer complaint received 2020-07-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION (MI)

Cfpb, Xoom has repeatedly discriminated against based on XXXX status. I have given them government ID, multiple pictures of credit cards for verification and they still discriminate against us for using their services. They have automatically locked us out based on age and gender. They have booted my husband for even using the service because he asked them why are they so XXXX and retaliatory if we do not use their preferred services ... my husband even has an email from them stating their retaliation for him removing a chase card from their account .... This is not right and needs to be addressed by a government agency. I work for government also, in policy administration and have never to this date seen the malicious process of ousting a united states citizens for using what they claim as a public services .... They have asked us for bank statements stating that united states government issued id 's are not sufficient ... This is a Rouge entity trying to mimic a financial institution harming and not helping its citizens.. I respectively ask a full investigation into xoom for its misuse of allowed business practices. This behavior has been going on for 1 full year now & NEEDS TO STOP!
Consumer complaint received 2021-04-25
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. (NY)

The CRA is not doing any investigation into this fraudulent debt. 
They are only verify that my info matches with the fraudulent inf listed on the account. 
That is not doing an investigation that is only verifying my personal info to the fraud account info. 
The CRA is still reporting this fraud information on my report. 
This is the only CRA that is is still reporting this fraudulent account. All others have did a proper investigation and have removed all fraudulent info but you. 
Please conduct a proper investigation
Consumer complaint received 2021-04-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (FL)

As of XX/XX/2021 I XXXX XXXX XXXX took a review of my credit report and I noticed that a company named Enhance Recovery Company is reporting a balance of {$96.00} dollars owed to XXXX XXXX XXXX. I am hereby disputing this debt because I never received notice to dispute this debt via mail and also I am requesting proof that I actually own this debt via signed contract with my signature or any instrument that can solidify my ownership of this account. If neither of these items in which I request can be furnished I am requesting that you remove your reporting from XXXX and XXXX  immediately because you are damaging my credit. Failure to do so within 30 days will give me the authority to legally seek remedy for the damages caused by the negative items reported.
Consumer complaint received 2020-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I noticed that my fico credit score had decreased by 20 points. On XX/XX/20 I called Capital One to question them why my credit limit had decreased. The customer service personnel stated that they decreased my {$11000.00} to {$6000.00} effective on XX/XX/20. I did not receive a letter about the decrease until XX/XX/20. I've always made my payments on time and have never had an issue.
Consumer complaint received 2020-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This collection account was found on my credit report. I have disputed tis account. 



XX/XX/2020 XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA. XXXX File Number : XXXX XXXX XXXX RE : XXXX XXXX Mutual Balance {$270.00} Dear XXXX XXXX XXXX, This letter is to inform you that I am disputing this debt listed above. I also want to inform you guys to cease calling me. This debt was not mines at all and I dont know anything about it. I have filed a complaint with the Attorney General of Texas and will file a complaint with the FTC. 
In my opinion, you have failed to validate this debt. I must remind you that I originally disputed this debt within the 30-day dispute period outlined in the FDCPA and that I am now also responding in a timely manner to your attempt to validate this debt. Because I still consider this debt as " still in dispute '' I do not expect to hear from you again except to provide information or documentation to clear up my reasons for disputing this debt. 
If this debt is reported on my credit report after I have disputed this debt. I will contact my attorney to file a civil lawsuit against your company. I already advised you in my previous letter that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and that I will not hesitate to take all legal steps necessary to protect myself. Be advised that I am keeping accurate records of all correspondence including tape recording all phone calls. 
Thank you, XXXX XXXX XXXX.
Consumer complaint received 2022-09-14
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a fraudulent credit report for capital one which I never inquired for and also I have never even given them my information at all before! They have showed up as a hard inquiry on my account since XX/XX/2022. Also, XXXX XXXX has a lawsuit for fraudulent activity that has now made its way to my collections!
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (TX)

While trying to complete a purchase in the XXXX XXXX, using the XXXX XXXX, verified through my XXXX with XXXX, the transaction was declined for " my safety. '' How convenient that the XXXX time the card is to be used for the benefits it advertises and the transaction is blocked. There couldn't possibly be a more verified or legitimate transaction. 

My account is then suspended for " XXXX business days '' again for " my safety. '' The truth is that Goldman Sachs doesn't want to pay the XXXX  % in cash back on XXXX products, so they block it. 

The rep I spoke with was disgraceful enough to say, " well, you can just go back to the store when this suspension is lifted. '' This is not the first time Goldman Sachs has been a problem. They hide behind the XXXX interface, but they are truly horrible people and horrible to deal with.
Consumer complaint received 2022-09-14
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. (NY)

On my equitably report shows a XXXX on my report and I am a authorized user. I never received a card dont know who the person is that added me. I tried calling XXXX and they no information with my name phone number or social security number. Told me to have the primary person call in I told them I cant do that as I dont know who it is. This has been on my report since XXXX XXXX XXXX. Ive tried disputing it but they will not remove it.
Consumer complaint received 2020-07-22
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: Experian Information Solutions Inc. (CA)

Hello Per my conversation with Experian, they will be removing all inquiries that are fraudulent and related to identify theft, I have identified all the inquiries that are to be removed and has been speaking to their id theft customer service and they told me those will be removed unfortunately that's not the case and I'm a force to see help to get this resolve on top of the identity theft damage already done. 

Have also filed a FTC Report. 

Reference to the following info Case : XXXX - Fraud Resolution Please remove all the below noted Inquiries as those are fraudulent XXXX/XXXX  Department And Variety Stores - non specific Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX XXXX  XXXX AUTO FIN Auto Financing Companies Inquiry date : XX/XX/XXXX THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX LBS XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX FED XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX Financing Companies Inquiry date : XX/XX/XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Dealers, Used Inquiry date : XX/XX/XXXX XXXX BANK XXXX XXXX XXXX Banks - non specific Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Unions Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX XXXX Department And XXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX XXXX/XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX XXXX Specialty Clothing Store Inquiry date : XX/XX/XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX All the above aren't mine and I never applied for those, please note a fraud alert is already in place on my account for 7 years due to identity theft. 

Thank you
Consumer complaint received 2024-05-14
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc. (CO)

I called today I was transferred to a rep. I asked the collectors if they can remove XXXX names ftom this acvoubt bc they were temporarily which they said so. I said let me speak with your manager. The rep started mocking me, arguing, not professional. Extremely rude. 
If this is the type of service they provide, I'm not willing to pay until their names the debt is solely mine.
Consumer complaint received 2022-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma (NM)

I have received several deceptive offers through credit karma over the past few years. These offers stated that I had an excellent chance for approval when applying for a credit card.each time I would apply for one, I would receive a denial this in turn would lower my credit score each time. I already have credit issues and a lowered score just makes it harder to improve my credit standing. Especially since it takes so long for these applications to be removed from my credit score. If I didn't have a chance to be approved in the first place, I would jave never applied to begin with. Very deceptive and unfair XXXX XXXX
Consumer complaint received 2020-07-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Solomon and Solomon, P.C. (RI)

The original credit card holder XXXX XXXX XXXX, sent the account to Solomon % Solomon pc of XXXX, Ny, attempts to make payments were flawed when I found Solomon was taking the payments and not applying my payments to the balance owed. 
an agreement was made to lower the balance owed to {$1000.00} and I sent 7 % XXXX monthly payments in when it was discovered they were not paying down the debit. 
I stopped the payments and in 2019 XXXX XXXX sent the collection to XXXX XXXX trying to collect XXXX. XXXX XXXX will not acknoweldge these payments and continues to collect {$1400.00}. Solomon has ignored my request to forward all documents to XXXX XXXX XXXX XXXX is ignoring me. These collection companies are committing fraud trying to collect payments already paid.
Consumer complaint received 2022-08-11
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: 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 719XXXX 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 n 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 XXXXhree 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 XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.