davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Direct Recovery Services, LLC (TN)

On XX/XX/2020, I was called from a spoofed number of XXXX and a voicemail was left that makes an implication of debt owed and that the call is an attempt to collect a debt. This called was also placed by an automated dialer for collection efforts which this company does not have consent to contact my phone number using automated dialing technology ( violation of TCPA ). This call was made to my phone number XXXX as well as my mothers cell phone number XXXX ( who is in no way attached to the claim and was located via skip tracing. The same voicemail was left on my mothers voicemail indicating a need for her to contact me and have me contact this office, again a violation of TCPA and now FDCPA. 

I contacted the office back and spoke with a representative who asked what my intentions with the debt were. When I advised I would like to review the matter further and may ultimately request to have the debt verified, he replied " So you aren't going to pay your debt '' laughed and hung up.

I called back and spoke with another agent who advised me they were a 3rd party collector, calling on behalf of another client. I again asked for additional information so that I could further review the debt and decide if I should request a validation of debt. He advised he would email me a letter and notate the file.

At no time did this company ethically or legally follow the collections laws established by FDCPA and also violated the TCPA in regards to automated calling efforts.
Consumer complaint received 2024-01-19
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: Experian Information Solutions Inc. (SD)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2021-08-12
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: Consumer Portfolio Services, Inc. (OH)

This is my THIRD time disputing these accounts that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : -XXXX XXXX # XXXX -XXXX # XXXX, XXXX # XXXX, -XXXX XXXX, XXXX. # XXXX, -CONSUMER PORTFOLOI SVC # XXXX
Consumer complaint received 2019-03-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Vengroff Williams, Inc (CA)

This complaint is against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX is attempting to collect a debt they claim from nearly 2 years ago. They only sent me a bill at the end of XX/XX/2018 and demanded payment. 

I have asked repeatedly, on the phone and 4 times in writing for the company to provide evidence and verify the bill is actually due. They have refused to provide any of this documentation. 

In addition, XXXX XXXX XXXX, violated the FDCPA multiple times by continuing to send me threatening letters and now sending me to a collection agency, simply to punish and abuse a XXXX patient into paying a bill they refuse to verify it is due. I have sent them 4 times in writing that I contest the bill and requested they send documentation. They continue to refuse and say a bill with no description is all they have to do. 

My XXXX at XXXX XXXX has stopped using XXXX for his patients as a result of their collection tactics and how they are treating XXXX patients. 

I want these illegal collection practices to stop immediately. XXXX XXXX XXXX needs to verify ( per FDPCA law ) that this bill is due. They have not but continue to threaten me.
Consumer complaint received 2015-10-29
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Colony Brands, Inc. (TX)

Open a charge account with XXXX ward back in XX/XX/XXXX.I have used the account in the past and paid the entire balance.However, upon realizing that such account was n't been reported to any of the corresponding agencies. I decided to close the account.In such case I contacted XXXX ward back in XX/XX/XXXX and asked that they close the account. 
However, XXXX ward has kept the account open.
Consumer complaint received 2022-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

15 U.S. Code 1681b - Permissible purposes of consumer reports ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

TransUnion, XXXX, & XXXX were not given my consent to report any of my personal information.
Consumer complaint received 2019-03-06
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. (PA)

I am filing this complaint because the Credit Bureau has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and con not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

A charge off account is showing on my report & the creditor told me that I can not get a copy of the 1099-C document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.
Consumer complaint received 2021-08-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (DC)

I opened a Comenity Bank XXXX XXXX credit card in XXXX, my limit was {$300.00} I paid the card down to roughly a {$100.00}. In XXXX I saw the amount I owed was more that the limit, I contacted them an told them I became XXXX and ask them to cut the card off and Ill pay the balance. Which never went down only up. Now they have me in collection for {$1100.00} I have the same issue with the same bank for a XXXX  credit card with a limit of {$500.00}, I paid that card down to {$230.00} and now they have me in collection for {$1000.00} XXXX  XXXX XXXX also for XXXX, I paid this account off and they sole the account and put it back on my credit.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

the following account is negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report, therefore you must remove all negative and adverse remarks under 15 USC 1681 ( b ), 15 USC 1681a ( 2i ), and 15 USC 1681c ( 5 ) of the Fair Credit Reporting Act ( FCRA ) : the company alleged I owed them money, however, they closed the account and charged it off. In addition, the company alleged I maxed out the credit limit at {$130.00}, but the highest limit it shows is {$790.00}.
Consumer complaint received 2022-01-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OH)

Chase Bank deducted {$970.00} ( XXXX XXXX XXXX dollars ) from my checking account from an obviously altered check. I mailed a check for {$170.00} ( XXXX XXXX XXXX dollars ) at the post office. The check was stolen from the mail, the payee was whited out and changed to XXXX XXXX and the amount was altered from a one to a nine, thus resulting in almost a XXXX dollars being deducted from my checking account on XX/XX/XXXX. I discovered the fraudulent activity the next evening. Around XXXX pm on XX/XX/XXXX, I contacted Chase Bank 's claim department and filed my complaint. The lady I spoke with said the investigation and return of my money could take 30 days. The branch manager where I have my account in XXXX, Ohio said the funds would likely be returned in 3 days and the investigation would follow. So I called the claims department again two weeks later and spoke with 3 people including a manager named XXXX who said she would escalate the investigation, but it could take up to 30 days from my original complaint. I called the claims department XX/XX/XXXX and spoke with XXXX and he said to wait a few more days and call back. On XX/XX/XXXX I called the Chase claims department again and spoke with XXXX. She said the same thing XXXX said, that an email would be sent to escalate the investigation. I still do not have my money. The check is clearly fraudulent. It is CHASE 's error. The person to whom I mailed the check has camera 's outside the home and said no one took mail out of the mailbox. So the letter containing the check was stolen from the XXXX Mail, and according to XXXX, was deposited at the ATM at the Chase branch at XXXX XXXX XXXX in XXXX. So Chase knows where the check was deposited. I really need my XXXX dollars back and I have waited well beyond the 30 days all parties at Chase indicated was the time to resolve.
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Below is the dates and the tracking numbers to the disputes I sent to transunion to delete some accounts and credit inquires that I did not apply for and accounts that aren't mine. Transition has not responded back to me or proved that it was me that applied for credit or accounts. 
XXXXTracking number : XXXX XX/XX/2021 Tracking number : XXXX XX/XX/2021 Tracking number : XXXX
Consumer complaint received 2022-01-17
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. (FL)

I have tried occasions to fix my issue with Equifax several of times. I have sent multiple complaints to Equifax because they have my information mixed up so they are showing accounts that I never had report false late payments. I have sent in disputes to resolve this issue. But when they send me results back. They are sending it back with a XXXX XXXX and not XXXX XXXX which is my name. I have tried calling them and sending then tons of information and they still haven't fixed this.
Consumer complaint received 2024-01-22
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: Experian Information Solutions Inc. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK (CA)

Discover receives a dispute from me two days after XX/XX/XXXX and I first told them this is straight up fraud, but their not listening at all. They refuse to close my card, and file a dispute appropriately. Then, I have to file a dispute and I knew this wasn't handled right from the beginning. Now, on XX/XX/XXXX, Discover says to me that they will just need the invoice and make things right. Then, with a follow up call today, I am told another whopper story of why their not adjusting my account from XXXX to XXXX in which this woman 's service did not add up to XXXX. I have now closed my credit card and found their is no transparency at all with this company.
Consumer complaint received 2022-08-09
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing in response to a notification on my credit report. The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the account on the credit report is incorrect. 

XXXX XXXX Late Date : XX/XX/19
Consumer complaint received 2020-11-23
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: I.C. System, Inc. (GA)

I have accounts that are in my name that aren't mine. Below are the accounts that are reporting that don't belong to me on my credit reports XXXX, XXXX  and XXXX. 

1 ) XXXX XXXX XXXX  {$990.00} 2 ) XXXX  XXXX XXXX {$51.00} 3 ) I.C. SYSTEM, INC {$2100.00} 4 ) XXXX XXXX  XXXX {$460.00} 5 ) XXXX XXXX XXXX {$610.00} 6 ) XXXX XXXX XXXX  {$310.00} 7 ) XXXX XXXX  XXXX  {$440.00} 8 ) XXXX  {$8800.00} 9 ) XXXX  XXXX  XXXX  {$110.00}
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I sent a request to XXXX  information on my credit report to experian because it was fraudulent. They sent me an email that they thought i didnt send the request XXXX  and that they are not going to do it. They have to remove these fraudulent accounts from my credit report by law according to t he FCRA.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

XXXX/22 XXXX verify XXXX/22 XXXX  XXXX XXXX XXXX/22 XXXX XXXX/22 XXXX  XXXX XXXX I do not recognize these iquiries
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

My XXXX loans were transferred from XXXX to XXXX XX/XX/XXXX and ultimately forgiven as part of XXXX. I've received confirmation lettters and XXXX balance across all accounts ( XXXX, XXXX XXXX XXXX, XXXX ) XX/XX/XXXX. On my credit report, however, it is showing my student loans are doubled -- BOTH XXXX and XXXX are showing my XXXX loan debt so it appears I actually have double the amount of XXXX loans which is a sizeable amount. This is unacceptable -- I have not had a balance with XXXX for almost a year, and it has been almost four months since my loans were forgiven under XXXX. This has negatively impacted my credit score, my debt to income ratio, and is prohibiting me from buying a second house and car. Please address this as soon as possible and remove these balances from my credit report.
Consumer complaint received 2023-03-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American Coradius International LLC (TN)

I received mail from USPS from American Coradius International LLC about the following : Creditor : XXXX XXXX XXXX XXXX 
Account holder name : XXXX XXXX Reference # : XXXX Account number : XXXX Account balance : XXXX I do not have this account and would like further information regarding this matter. It says I have until XX/XX/2023 to respond. 

I have reached out to XXXX directly and they do not have any account number listed presently or in the past. I currently have an account with XXXX and it is in good standing.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I contacted Equifax a few weeks ago informing them that I have been a victim of identity theft. All of my personal things were taken now are attempted to be used to open accounts in my name. They did nothing but sent me a computer generated letter. I called and spoke with customer service & they told me my dispute was not processes because I put inquires in the account section. I have corrected the information and attached to this complaint. Please delete the inquires on this identity theft report.
Consumer complaint received 2023-01-23
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. (MI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$510.00} XXXX XXXX  XXXX Balance : {$350.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$510.00} XXXX XXXXXXXX Balance : {$480.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$720.00} ( Original Creditor : XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Cascade CISS Holdings, LLC (AZ)

I've tried to reach out to Credit plus concerning my consumer report and how they're violating my rights. This company proceed to report to my consumer report without my consent i asked this company to provide an SSA-3288 to show that i gave them consent to report anything on my consumer report this company decides that they don't have to provide anything, and they can continue reporting to my consumer report. This company have to remember that there are laws that they must follow and that they have to respect my right to privacy. That Federal Law trumps policy and that they're violating me according to 15 US code 1681a ( 2 ) ( Exclusion ) it clearly states in that law what can and can't be on a consumer report Transaction & Experiences was some to throw out there that they clearly don't follow when it comes to the consumer and they're consumer report. And as a consumer this feels like public humiliation because of what Credit Plus put on my consumer report. I told Credit plus to provide me with an SSA-3288 form to show that i gave them consent to do illegal activity on my consumer report even if they're process is online, in an office, or on a boat they still by law have to provide proof that i gave them permission to do illegal activity on my consumer report. Without permission Credit plus have to understand that i have a right to privacy. And they're violating my 5th amendment rights and they must uphold the constitution According to 15 US code 1681 ( n ) I'm supposed to be protected against agencies that didn't get permissible purpose to obtain my consumer report and i should be reward XXXX dollars per violation and account removed because of these illegal activities. I could but i want to pursue criminal charges according to 15 us code 6823 because i told Credit Plus that they were violating me, and they didn't even take what i was saying serious. Credit Plus has caused hardship to not only me but my kids also by not removing this account instead they are now deciding to continuously violate more consumers rights. According to 15 US code 1681 ( b ) This law alone shows that they just going to keep violating consumers rights i would like for this issue to rectified with an explanation to why do they think they can violate consumer protected laws
Consumer complaint received 2024-01-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NV)

Despite resolution with the bank, validated law enforcement reports, and removal by XXXX and XXXX, Experian insists I haven't followed protocol. I want the Consumer Financial Protection Bureau to scrutinize this case, as it appears Experian is failing in its legal obligation to process the identity theft report. 
XXXX XXXX XXXX