davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NY)

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe {$300.00} to this company and right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write to the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote to me before. If they don't write to me then how could they send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract showing my signature along with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as XXXX XXXX. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. 
The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection XXXX said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an FDCPA lawyer.
Consumer complaint received 2022-01-19
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. (CA)

The credit agencies : XXXX, Equifax, and XXXX These 3 Credit bureaus have allowed the Debt Collectors to " RE-AGE '' collection accounts on my credit reports. The debt collectors : XXXX Management : Rise of California is the Original Creditor. XXXX XXXX : XXXX XXXX is the original creditor. 

These collection accounts should have been removed from my credit reports in 2021. I've reached out to all three agencies and none of them provided evidence to the contrary. Yet the collection accounts remain on my report, after 7 years, re-aged, affecting my credit and cost of credit.
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. (PA)

I have inaccurate reporting all throughout my credit report, I have attached credit report with side by side comparison. 

According to the Privacy Act of 1974 ( b ) CONDITIONS OF DISCLOSURE No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains unless disclosure of the record would be -- I have several charge offs listed on my report, I now know a charge-off is considered a certificate of indebtedness, which means it is income and income can not be reported on my credit report. 

I am also aware that transaction history can not be reported on my credit. 

I also want all unauthorized inquiries removed. 
15 USC 1681 states 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2022-01-19
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. (CA)

The credit agencies : TransUnion, XXXX, and XXXX These 3 Credit bureaus have allowed the Debt Collectors to " RE-AGE '' collection accounts on my credit reports. The debt collectors : XXXX XXXXXXXX XXXX XXXX XXXX XXXX is the Original Creditor. XXXX XXXX : XXXX XXXX is the original creditor. 

These collection accounts should have been removed from my credit reports in 2021. I've reached out to all three agencies and none of them provided evidence to the contrary. Yet the collection accounts remain on my report, after 7 years, re-aged, affecting my credit and cost of credit.
Consumer complaint received 2024-02-21
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. (SC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>XXXX XXXX Date of Inquiry XX/XX/year>XXXX XXXX Date of Inquiry XX/XX/year> & XXXX  Date of Inquiry XX/XX/year>
Consumer complaint received 2021-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IL)

I attempted to purchase tickets to XXXX XXXX XXXX and the vendor attempted to charge my card multiple times. Citibank flagged this as a fraud and asked if I would like to let the transactions through. When I declined to approve all the transactions, they closed my card and issued me a new one. Two days later, 2 charges appeared on my card posted XX/XX/XXXX for amounts of XXXX and XXXX. I filed a dispute and the merchant agreed to return my money. The credit has still not appeared on my account and they said they cancelled my dispute. Then in XX/XX/XXXX more charges appeared posted on XX/XX/XXXX of varrying amount of either XXXX or XXXX. I have called 3 times over the past 30 days and there has been no resolution. A supervisor noted that because the disputes appeared to be duplicates as the same amount was charged, citi is not looking into them and cancelling the disputes the minute they are filed. I sent multiple emails regarding the siputes and have not heard back.
Consumer complaint received 2022-01-19
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. (NY)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2016-08-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc. (CO)

XXXX bill was sent 5 years after accident. I was not at fault ; other driver 's insurance admitted they were responsible and failed to pay the bill on time. Insurance company agreed to pay all additional fees. They asked the collection agency for an invoice showing all fees. Debt collector supposedly tacked on all " late fees/additional fees '' when the insurance asked for bill detail. AFTER insurance company paid the bill they received from the debt collector, the debt collector continued to call me at work and on my cell telling me that the bill was not completely paid. When I presented the check number and date cashed to them, they told me the legal fees were still outstanding. I asked why they did n't include those on the insurance invoice if the insurance company was WILLING and ABLE to pay the additional fees. The case never went before a judge. The debt was paid a month before the set court date. They called my work on a regular basis asking my HR department about my employment. They would call me and not leave messages as I had stopped answering their calls.
Consumer complaint received 2022-01-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BAM Management US Holdings Inc. (NJ)

On XX/XX/XXXX I transferred funds in the form of XXXX from my XXXX XXXX account to my Binance.US account. 
The transaction status says complete and funds have been removed from my XXXX XXXX but have not been deposited into my Binance.US account. 
I have made several attempts to contact Binance.US but receive the same automated message. 
They have not/ will not get back to me.
Consumer complaint received 2018-03-15
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. (WI)

I contacted Equifax regarding a collections account that has yet to be removed from my credit file. Equifax informed me that they would do an investigation and I submitted documents supporting my stance on the matter. Equifax failed to notify me the status of said investigation, in addition they did not remove the negative information provided by the company reporting to them. The company name is XXXX XXXX XXXX and they have failed to provide proof with my signature on any consumer contracts yet they continue to report negative information on my behalf.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

While recently reviewing my credit report I noticed fraudulent and unauthorized activity.showing for a closed account for : XXXX XXXX XXXX XXXX. 
Date Opened : XX/XX/year> I did not authorize anyone employed by these companies to view my credit report or give any of my personal information to any third party. In addition, I did not give ANY Credit reporting Agency permission to furnish this information on my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is a serious breach of my privacy rights. 

I demand that you, Credit reporting Agency, produce a contract between you and I, the consumer bearing my signature showing that I gave you permission to furnish info on my behalf. 
In the absence of any such documentation bearing my signature. I formally request for this fraudulent account to be immediately blocked and removed from the credit file that you maintain under my Social Security number Please note that you have 4 days to remove this account as it was opened through fraudulent activity and is a result of identity theft. I received no goods or services for {$160.00} and have no knowledge or recollection of this item. I have NOT been contacted by anyone trying to settle this debt and have contacted XXXX XXXX XXXX XXXX  demanding removal as well. I am NOT requesting the item to be blocked or removed in error and demand that this account be blocked from my account. Also, this request for removal is not based on material misrepresentation. 
I have contacted the company that is reporting this account as negative and they have also FAILED to validate this debt and show any proof that I owe anything or that you have the right to furnish this negative mark against myself. I am now notifying ALL parties involved in this matter this an opportunity to cure this matter before legal action will take place. 
Under 18 U.S. Code 894 XXXX XXXX XXXX XXXX and any other credit reporting agency dealing with this matter may be held criminally and civilly liable for conspiring to use extortionary means by reporting marks on my credit report that are not valid and therefore financially harming myself, the living man and beneficiary of this account.
Consumer complaint received 2022-07-19
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc. (PA)

Hello, we have an issue with GM Financial refusing to acknowledge an excess mileage waiver in their GM Lease Agreement - dated XX/XX/XXXX. We have been trying to resolve this matter since we returned the leased vehicle in XXXX. At that time we purchased a new GM vehicle. The GM dealership submitted the lease agreement as well as the excess mileage waiver at the time we returned the leased vehicle to the GM dealership. Then on three separate subsequent occassions, we explained to the GM financial representative that we had a contractually binding excess waiver agreement and sent a copy of the excess mileage agreement to them. The calls and bills would stop for a little while and then the calls would begin again. Please see attached e-mail explanation that was sent to GM Financial explaining everything again. Since we are disputing the charge and providing proof of the legally binding waiver, the bills have stopped but the GM Financial harrassing phone calls on a daily basis have not stopped. Again, the leased vehicle was returned along with the contract/waiver in XXXX. GM Financial representatives call our home telephone number daily. GM Financial represenatives call my cell phone daily and they are calling my place of employment on a regular basis. I can provide a record of phone calls that come in almost daily. GM Financial has yet to acknowledge the excess waiver contract. I guess they think that if they harrass us with daily phone calls since XXXX, that we will just pay the {$400.00} to have them go away. That is not going to happen because we do not owe money on excess mileage. It's hard to believe but the almost daily harrassment is over an illegitimate {$400.00} bill. GM Financial added lates fees and interest to the fictitious charge to bring it to XXXX. Ridiculous- isn't it? There is a legally binding excess waiver agreement. There is no {$400.00} balance due.
Consumer complaint received 2021-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (IA)

On or around XX/XX/2021, I received a Citibank Debit Card in the mail that I hadn't applied for and was not a replacement for any of my current credit accounts.

My husband called Citibank ( from a number he got from Citi.com ) and was transferred to the fraud dept. After speaking with them and being put on hold multiple times, he was told to call back tomorrow to speak to the Identity Theft Solutions dept ( was told they were already closed today ).
Consumer complaint received 2021-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (TN)

Franklins Collections SVCS Inc, Reported a debt of {$2400.00} to all of the major credit reporting agencies with the citing original creditor name XXXX XXXX XXXX. 

The original creditor was paid in full, XXXX XXXX XXXX has confirmed via phone to me that the account balance is true {$0.00}. 


I phoned Franklins Collections SVCS I told both reps that the original creditor was paid and full, they asked me for proof which I don't have, Besides calling directly to XXXX XXXX XXXX and they will tell me that account # XXXX is at XXXX balance. 

I asked them for a debt validation from both Franklins Collections SVCS Inc I spoke to and they hung on me both times for asking. 

The right to request verification of the debt is provided by the federal Fair Debt Collection Practices Act ( FDCPA ) and doesn't state that I need to show proof of the debt being paid to receive a debt validation.
Consumer complaint received 2024-02-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (FL)

Delete the late dates and update the statuses of the accounts now. I've disputed and sent letters, but the inaccurate information remains on my report. Take immediate action to comply with the law, delete the late dates, and ensure my credit report is accurate no more delays or excuses! If you don't, legal action will follow. XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX  Balance : {$3400.00}. Also, I talked to someone within the company to confirm the documents have been received andthey informed me that they never receive documents from the cfpb... Please investigate this matter quickly.
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and XXXX XXXX XXXX immediately : XXXX CARD Date of inquiry XX/XX/XXXX XXXX CARD Date of inquiry XX/XX/XXXX
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as delete the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PR)

I review my consumer reports and noticed that I had four late payments on an account for which I was never late. Consumer reporting agencies play a crucial role and have the responsibility to report consumer information in the best possible way, with maximum accuracy. I have never been late on payments for the accounts included in the attached complaint with screenshots on the dates [ XX/XX/2019 ]. Please investigate and provide evidence with statements showing that these payments were made late. If proof can not be provided, I demand that these payments be updated as paid as agreed and on time, as I was never late. Thank you! Attached is a screenshot for your reference.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

My complaint is against Equifax for reporting negative information from XXXX. XXXX XXXX. They are in violation of the Fair Credit Reporting Act because they are reporting derogatory information that is 7 years old. By law they are required to remove this information. I am requesting they remove the negative marks they are reporting under my social security number. Failure to do so will result in me seeking all legal remedies afforded to my under Federal and State Law. They will be required to defend themselves at a venue local to me. Upon receipt of this complaint I am requesting they remove the negative tradeline they are reporting to Equifax immediately!
Consumer complaint received 2024-02-21
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. (CA)

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I am reporting a Fraudulent inquiries founding i my credit report