davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (IL)

Dear CFPB Thank you for hearing me again over the last XXXX yrs. we have been dealing with several accounts that was done by Fraud/ Identity theft. When I was living out of the country for those 8 years. You guys helped me get these accounts removed over XXXX  times in a XXXX yr period. 
The creditors found out they was fraud and removed them as you guys recall I had to get the police and Attorney General involved. Now the same company has Sold the account to the Collection agency thats listed. 
My Life has been destroyed if you guys recall I been fighting this for years and even had a massive XXXX XXXX over it, and I have been rejected from Jobs, school even a place to live. Im XXXX because in my city you cant have collections you cant rent. Even someone had got XXXX evictions on my name when I was out of the country. 
I went to save lives and my life was being destroyed, the collection agency has been Ruthless and pure evil to me, not wanting to listen or even understand. I also the collections agency put it meets FCC regulations and I Agree it should be on my report. I DO NOT AGREE, and the company Lied and stated I agree. 
I swear on my soul my Identity had been stolen back then and even I had Several Security breaches from the XXXX  because I support victims of crime. I cant get Hired with these collections. 
Im not a liar and I promise you I did not open the account and I had proven that several times, the issue is how much more suffering will I go through. Because I was found incent and when they SALE these accounts it start all over. 
With my line of work with victims of crime XXXX cant have collections, or I would get fired, and I did not do these things and should not have to pay for these things. The collections are not large but still I did not do this. And to suffer from 2013 to current is insane. 
XXXX XXXX OVER THIS AND CANT GO BACK TO WORK UNTIL ITS CLEAR. They dont want to see anything thats negative. why do I have to lose my whole life and now during a pandemic every time this pops up on my reports, I get Fired and lose my Apartment. Because they check our credit monthly. 
I need you guys Help again to get this deleted please completely and for them to stop asking me to send more documents, because they dont have full documents and they are using what I sent in against me to build a case to stick me with a bill I dont owe. 
DID YOU GUYS KNOW THATS WHAT THE COLLECTION AGENCY BEEN DOING TO ME? XXXX XXXX out here help me get this deleted again. Thank you
Consumer complaint received 2016-10-04
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ATG Credit, LLC (MI)

I received a letter from a company called ATG Credit , LLC stating I owed money to XXXX in XXXX 2016. I called ATG on XXXX XXXX, 2016 and told them I know nothing about this charge and wanted to dispute it. The person said OK they would put a dispute request in and send me documentation from XXXX. In XXXX of 2016 my credit report was now being reported as a collection agency for something that I still had no idea what it was for and had nothing from ATG showing what is was for. On XXXX XXXX, 2016 I was sent a ledger as proof from AGT which was now over 60 days later of me entering a dispute. What ATG sent me still shows nothing of how this debt is mine. I called them back and told them this and they said they will reach out to XXXX for more info. This should not be reported to my credit if they ca n't supply proof within 30 days or send proof of how it belongs to me. 

The issue at hand is that it took 60 days for the debt collection to respond to my dispute which is longer then the 30 days per The Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692 et seq. ), which states if the creditor does not verify the listing within that 30 day time frame, then it is automatically deleted as mandated by the FCRA. As requested in my complaint I demand this collection be removed from my credit report since it is being reported incorrectly and the debt collector has failed to follow the rules of the FCRA.
Consumer complaint received 2022-02-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2022 I transferred {$50.00} to XXXX XXXX through my bank Wells Fargo and the money transfer app through XXXX, called XXXX. XXXX XXXX scammed me and never mailed my order to me. I have been in contact with her and she does not intend to reimburse me as she says she already spent my money. Wells Fargo says they do not offer protection from scammers. Had I known that upfront, I wouldn't have used the app at all. I felt safe as it is available through my bank. It is the only money transfer app I used because of this reason.
Consumer complaint received 2018-03-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (GA)

Today I received a credit monitoring alert stating that I have a delinquent account with XXXX XXXX ( c/o Resurgent Capital ). I have never had an account with XXXX XXXX nor do I have any account number associated with the reported account number on any of my credit reports. I also never received a debt validation request letter from XXXX XXXX ( c/o Resurgent Capital ) and am disputing the validity of this debt. 
In addition, on XX/XX/2017, I disputed the validity of another purported delinquent account with XXXX XXXX ( c/o Resurgent Capital ) with the Consumer Finance Protection Bureau so XXXX XXXX ( c/o Resurgent Capital ) is well aware of my address however, they intentionally and fraudulently failed to mail me any communication regarding this purported debt prior to reporting it to the credit bureaus.
Consumer complaint received 2015-11-22
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (CA)

I have reported American Express several timeshere. This time I am upset because I have askedthem to cease and desist and three days laterI was sent another threatening email. Also thecyber fraud issues have been going on sinceDecember 2013, which is way longer than 30 days. 
I have told them I feel threatened and asked forproof of investigation and this is finally supposedto be in their fraud department, but they still tryto collect what we allege we do not owe. They saytheir attorney investigated this, but if this is true, then why have we received absolutely no proofof the line item charges we ca n't find that areset forth in the totals they say we owe? This isusing the reporting threat to extort money from usthey refuse to show we owe. They have also notpaid people we authorized to pay, and for which wemade payment. XXXX of these is XXXX XXXX, and there appears to be more of thiswith other companies, which we are investigating, and these things are new cyber fraud issues. Sowhy is n't American Express really investigating, and if they finally are through their fraud departmentthen why are they harassing us withconstant emails and threats to report us to thecredit agencies. Enough is enough! We ca n't be theonly ones to whom this is happening. All we want to do is pay our bill, but only as to the actualcharges we authorized and/or also that we can seein black and white. This is all we ask. Do n't payunauthorized charges. Show us in black and whiteand line by line ( correctly ) how you came up withyour final balance. We pay all new charges in fulleach month, so interest charges do not apply to thisissue. So where are the line item charges wecannot see?
Consumer complaint received 2022-07-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Waypoint Resource Group, LLC (UT)

Waypoint Resource Group is reporting a debt on my credit file that is not mine. I have asked multiple times for validation of this debt and have received nothing. They are reporting a debt for XXXX and I have never had XXXX!!! This needs to be removed.
Consumer complaint received 2016-03-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (MA)

DIVERSIFIED CONSULTANTS Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Account Number : XXXX they are trying to collect money from that I already paid with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX I do have a letter that the gave me and did fax it to DIVERSIFIED CONSULTANTS. I would like this removed from my credit report. if you have any questions feel free to contact me.
Consumer complaint received 2018-03-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Michael & Associates, PC (CA)

I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department of these fraudulent accounts and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them. 

Also in accordance with the Fair Debt Collection Practices Act 2009, I am asking you to immediately stop all collection activities about this debt, including reporting to credit reporting agencies. I also ask that you tell the business where the account was opened that this debt is the result of Identity theft, and can not be collected, sold or transferred. 

I have already notified XXXX XXXX and have sent over all the necessary paperwork, I am also asking Michael & Associates , PC to do the same as stated on the Fair Debt Collection Practices Act.
Consumer complaint received 2016-11-14
Product: Credit card — 
Issue: Cash advance — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I submitted a dispute to USAA on XX/XX/2016 for a {$10000.00} purchase from XXXX that represented themselves to be an investment bank, but I learned that it was just a front. On that date, I also learned that XXXX had processed it with USAA as a cash advance and there were thousands of dollars of fees that I had not authorized. USAA was VERY slow in handling the dispute for a number of reasons that are difficult to understand, during which they applied the credit on two or three different occasions until finally on XX/XX/2016 they re-billed my card for the {$10000.00} stating that I had used the service after I filed the complainr. I said I had only used it to provide the information they requested : specifically statements of the account and transactions processed. They said when I logged in I lost all rights to a refund.
Consumer complaint received 2022-02-04
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. (NV)

I have counted about 16 errors on my credit file. My attempts to get them corrected have been ignored by the credit bureaus. I reached out to Experian, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX by phone and mail. Now I taking it a step further to point out that each company is fraudulently reporting information including accounts and incorrect/invalid account statuses.I asked them all to provide me with any type of sign letter or authorization given by me that allows them to do ANYTHING on my credit file. Per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer they have not provided so such thing.
Consumer complaint received 2017-08-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The Hamilton Law Association (ME)

Hello, ive been getting phone calls from all different ph # ( recent from XXXX ) but with a call back # of XXXX ext XXXX, previous call back # XXXX. Always a different person to call back but staying they have my dob, ss # in which a law suit will be served on me if if did not respond to make payment by end of business day. Says they are from Hamilton law. In the last message i received today ; " XXXX '' stated she knows my name has changed and spoke my dob and address on the vm.
Consumer complaint received 2022-07-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted disputes to you and and I didnt get a response within 30 days and yall are required by law to do so. Please investigate disputes please. Thank you.
Consumer complaint received 2022-07-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have submitted disputes to you and and I didnt get a response within 30 days and yall are required by law to do so. Please investigate disputes please. Thank you.
Consumer complaint received 2016-03-03
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

someone contacted me asking did I want to make quick money and they were from the FDIC. It was in regards to money that my bank owed me. They asked me for my personal bank information and I gave my information out. They deposited money into my account and then later told me that it was n't my money and it needed to be sent back. They gave me the names of the accounts in which the money was owed back to. I sent the money back and I thought that was the end of it. Later that night another deposit hit my account and I got an email and that basically told me I would n't have access to my account due to suspicious activity. I later called my bank and they told me to file a police report and it is attached to this statement.
Consumer complaint received 2015-10-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (NY)

I applied for a phone and phone plan in XXXX 2014 with XXXX. While waiting for them to ship me my phone, I found I better service with another provider and signed up with them. When I received my phone, I did not open the package and did not activate the plan. I promptly returned the phone and all contents of the package to a XXXX storefront where they took the phone. I did not use their services at all. I received a phone bill from XXXX for that month, charging me {$70.00}. I do not owe them {$70.00} because I never used their services.
Consumer complaint received 2016-09-28
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (LA)

I was defrauded out of {$1100.00} when someone stole my debit card number and used it to purchase plane tickets on XXXX XXXX. I do not know these individuals whose names are listed on the itineraries. I did not make the purchase as could be determined by an IP address associated with the purchase and my location at the time. Further, I was in New York when the purchase occurred, which purchase was XXXX flights from XXXX to XXXX. I disputed the transaction and was credited back the funds, but upon investigation, USAA determined that I had authorized these purchases and was going to reverse their original credit, re-charging me the {$1100.00}. They never consulted me during the investigation.
Consumer complaint received 2015-10-26
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX, at XXXX, I spoke with XXXX XXXX of A Bank of America. I informed him that on XXXX my bank XXXX, which a State XXXX Check for California Workman 's Compensation in the amount of {$2100.00} was the subject of a Levy in New York. The Bank Account and local branch are in California. The Levy is {$1100.00}, drawing from the State of California Social Security Funds. In the Court of Appeal of the State of California ; XXXX XXXX XXXX XXXX ( XXXX XXXX County XXXX. XXXX No XXXX ) In Accordance with XXXX XXXX XXXX XXXX Bank XXXX. This action by Bank of America includes causes of action for intentional and negligent misrepresentation, intentional infliction of emotional distress, unlawful levy against Social Security benefit payments ( Code Civ. 704.080 ), the violation of the Consumer Legal Remedies Act ( CLRA ) ( Civ. Code, 1750 et seq. ) the Unfair Competition Law ( UCL ) ( Bus. & Prof. Code, 17200 et seq. ) and the False Advertising Act ( FAA ) ( Bus. & Prof. Code, 17500 et seq. ) The misrepresentation-based claims are based on XXXX alleged misrepresentations by the Bank : ( 1 ) that funds directly deposited California Workman 's Compensation Check would be safe, secure and instantly available to account holders ; and ( 2 ) that the Bank had the right to use XXXX benefits to cover overdrafts and insufficient ( NSF ) charges. The Bank Representative or Bank of America has refused to return any of these funds since the Levy on XXXX or provide any exemption forms to myself. Calls were made on at least XXXX prior times requesting the compliance of State and Federal Law. According to the Bank Representative XXXX this will take 5-7 working days to investigate this claim.
Consumer complaint received 2024-02-26
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: EQUIFAX, INC. (IL)

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. My identity was also stolen in a datat breach via online which resulted in several fraudulent inquiries being made without my permission. All of the following inquiries should be removed from my credit report immediately : 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 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and DELETION because they were reported incorrectly in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-04
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: EQUIFAX, INC. (NV)

I have counted about 16 errors on my credit file. My attempts to get them corrected have been ignored by the credit bureaus. I reached out to XXXX, XXXX, Equifax, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  by phone and mail. Now I taking it a step further to point out that each company is fraudulently reporting information including accounts and incorrect/invalid account statuses.I asked them all to provide me with any type of sign letter or authorization given by me that allows them to do ANYTHING on my credit file. Per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer they have not provided so such thing.
Consumer complaint received 2022-08-08
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. (MS)

I am writing this in regard to recent findings and have called and sent letters in regard to Equifax Improperly sharing my information and reporting false and in accurate information on my credit report. they have continued to report these false and inaccurate information causing me stress and uncontrollably anxiety. What they are reporting is keeping me from getting a home for my family and a car. Pursuant 1681 ( a ) 3 the Consumer reporting agency ( EQUIFAX ) has assumed a vital role in assembling and evaluating consumer credit and other information on consumers. Pursuant 15 USC 1681 ( A ) 4 they have exercised their responsibilities with unfairness, without impartiality, and with no respect for the consumers ( ME ) right to privacy. Pursuant 15 USC 1681 ( b ) 2 I did not give consent for them to furnish anything on my credit report.