davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-13
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. (PA)

Hello, my name is XXXX XXXX XXXX, and 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 this change. 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in XXXXIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Consumer complaint received 2023-01-31
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: Credit Card Acquisitions Group (CA)

Foster And Monroe LLC : After verifying if your company is licensed in the State of California as a collection agency, XXXX XXXX XXXX XXXX Foster and Monroe LLC is not licensed in California. Therefore, I hereby request that you immediately cease and desist all oral and written communication with me, along with my family and friends.

You are hereby notified that if you do not comply with this request on the day you receive this letter, I will be immediate file complaints with the Federal Trade Commission and the New York Attorney Generals office and other appropriate regulatory bodies. Civil claims may be pursued.

Please inform any credit reporting agencies to which you have reported this debt to, that this debt is currently in dispute. I will require proof that you have done this.

You are also required to cease and desist from contacting me in this and any related matters unless it is by United States Mail, and only for the purpose of informing me that you are terminating all efforts to collect or that you are taking specific court of legal action.

Thank you for your cooperation in this matter. 


Sincerely, XXXX XXXX
Consumer complaint received 2022-10-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC (FL)

consumer has been making payments since XX/XX/XXXX on this account & has never missed a payment.consumer was told there was no penalty for paying or making early payments, when account was created.on or about XX/XX/XXXX, I was called repeatedly & continuously being harassed about payments that I never missed.I received annoying calls, multiple times a day in reference to this account.I am disputing that I have missed a payment on this debt.consumer explained to a company, representative during a phone conversation, that I have never missed a payment.I ( consumer ) went over every payment month by month & she placed me on hold.after returning she stated, some of your payments, must have been, applied to the principle, which I did not authorize.I then asked the representative for a manager & was placed on hold again for about 40 minutes, when the phone was suddenly disconnected on their end.A day later the annoying & repeated calls started again.I formally notify you cease all communications other than mail regarding this account.
Consumer complaint received 2022-07-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc. (OH)

I purchased a a sectional from XXXX XXXX through American First Finance. I was told it was {$50.00} every two weeks. They are taking {$63.00} every week from my account. We have paid {$1000.00} to a couch that was only {$1400.00} to begin with now were being told we {$1700.00} more. This is not what I agreed too nor wanted. Then to have almost {$300.00} taken out of my bank is not right. These were vicious sales tactics. Ive tried explaining we cant afford that every month nor is that what I agreed to and its like they dont care.
Consumer complaint received 2022-07-13
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. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2022-12-23
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: CL Holdings LLC (TX)

XXXX XXXX shows on my credit as a new account opened up in XX/XX/2022 Never had XXXX XXXX I have XXXX two different accounts I have XXXX XXXX and have been reporting fraud no one seems to respond to me Please remove this false information
Consumer complaint received 2023-03-30
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX XXXX Balance Owed : {$870.00}
Consumer complaint received 2023-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

To whom it XXXX concern, I recently pulled my reports and noticed you are reporting an charge off each month with a balance of {$230.00} for this account. XXXX XXXX As were both aware a charge off account is a dead account which means that there shouldnt be any interest accruing after the account charged off, there should not be any late payments reporting after this account was charged of along with XXXX reporting c/o every single month, Im aware that there is date of last activity ( the date on any account should be when a payment was made, or account status change made on the account ) so if you are reporting charged off every month the date of last activity is being reset every single month that you are reporting an charge off meaning that my reporting time is based on my date of last activity so with the 7 year reporting time for every charged off account from my understanding this account was charged off in XXXX and since then youve continued to report charge off on my credit report, which affect my XXXX ( date of last activity ) & is continuously been extended Ive attached copy of this account as its being reported from your bureau .Youre reporting that I was 120 days late 2x for the month on XXXX XXXX which I find quite impossible along with inaccurate information Last XXXX of XXXX RE : XXXX I received notice that you verified certain items on my credit report from the following companies : XXXX. XXXX XXXX Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 
Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it? 
Supply your response within 15 days or delete the trade-lines.
Consumer complaint received 2022-07-13
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: Experian Information Solutions Inc. (IL)

I HAVE SUBMITTED SEVERAL DISPUTES TO THE BUREAUS WITH NO CORRECTION OR ACCOUNT UPDATES. STARTING ON XX/XX/2021 AND EVERY MONTH SINCE THEN. I HAVE TAKEN TIME TO SUBMIT SEVERAL DISPUTES ON SEVERAL INACCURACIES ON MY REPORT WITH NO RESOLVE AND NO INVESTIGATION ON THE PART OF THE CREDIT BUREAU. BELOW I HAVE SUBMITTED SOME OF THE CHALLENGES I HAVE SUBMITTED BUT NOT ALL.
Consumer complaint received 2022-07-13
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. (TX)

I noticed that EQUIFAX is negligently reporting these inaccurate negative accounts on my credit report. I already tried to fix this with EQUIFAX but they did not send me any process on how they investigated these accounts. This is a violation of the Fair Credit Reporting Act which states that all the information reported on my credit report should be accurate and if ever I would send a dispute or file a complaint with them regarding an inaccurate account, they should disclose with me all the steps they took when investigating and validating the disputed account. 

These are the inaccurate accounts that are in my credit report : 1. XXXX XXXX : XXXX 2. XXXX OF XXXX : XXXX 3. XXXX XXXX : XXXX 4. US DEPT ED : XXXX 5. XXXX XXXX : XXXX
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MO)

This in not a 3rd party nor did I submit this in error, but this is my second attempt to remedy this situation with Experian and it seem they are ignoring my request
Consumer complaint received 2022-08-01
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts information below : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. 
Any and all consent to XXXX, Experian, and XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

" This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2022-07-13
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. (FL)

I, XXXX XXXX, am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : XXXX XXXX  : XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX XXXX Experian XXXX XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Consumer complaint received 2022-09-19
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 (NY)

I have two capital one credit accounts that were opened fruadently under my name. Both accounts are now " closed '' on my report, since I've made my first complaint, but they still aren't removed from my report. I need them removed from my report immediately as they are negatively impacting my score.
Consumer complaint received 2023-09-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: NCB Management Services Inc. (GA)

I have been receiving letters from different lawyers regarding this debt. I have also sent a correspondence letter to the debt collector to verify/confirm this debt and have not heard from them and this was months ago. Now Im being sued for a debt I have no knowledge of and no one can seem to verify. And getting threats of garnishment
Consumer complaint received 2022-09-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Oliver Adjustment Co. (GA)

Healthcare provider is attempting to collect an amount from me that has already been paid by my insurance company. The amount billed conflicts with the Explanation of Benefits. I contacted the Healthcare Provider who said to ignore invoice until they have researched the issue, however, the Provider turned it over to a collection agency without further notice to me. The Provider billed {$85.00}, the Explanation of Benefits confirms that the Insurance Co. paid {$57.00}, disallowed {$27.00}, and my responsibility for the charges is {$8.00}. However, the Provider billed the entire {$85.00}, in affect trying to collected from me the {$57.00} already paid by the insurance and the {$27.00} above the negotiated amount. 
Finally, I have no agreement with these people to pay anything, however, I'm willing to pay my portion of {$8.00}, if billed properly. My Doctor used this XXXX  without informing me or asking me what pathologist I would be agreeable to.
Consumer complaint received 2022-09-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Credit Management, Inc (TN)

Went to the XXXX room XX/XX/XXXX or XX/XX/2020 I had insurance at the time. Some how they failed to update my insurance. They have placed a medical collection on my credit report for {$160.00}. I have called the collection agency along with the imaging center and updated my insurance with both of them. Also, a law was passed XXXX collections agencies are not able to report medical bills under {$500.00} the collection agency is professional credit management
Consumer complaint received 2022-09-19
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. (MI)

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX Balance {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-20
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. (CA)

On ( XXXX/XXXXXXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Viking Client Services (OR)

On XX/XX/2022 I disputed an overcharge with XXXX XXXXXXXX XXXX through XXXX. The amount of the contract was paid in full as documented with attached credit receipt and reservation contract. I had made several calls to XXXX XXXX XXXX 's XXXX number, and attempted to also reach the XXXX, HI office at XXXX. The calls route back to the XXXX number, or when pressing " 3 '' for the service counter, a message stating " your call can not go through '' is received. 


Shortly after disputing the overcharge of {$120.00}. received a letter from Viking Client. At which point several calls were made, an online dispute form made. This is not a valid debt and I am requesting that the collection be deleted immediately.